Filed November 20, 2015 (most recent of 2 filings on file)
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,721 | $81,208-57.2% | $98,920-64.9% | $79,852-56.5% |
| Participation rate | 51.9% | 72.5%-20.7pp | 76.0%-24.2pp | 69.6%-17.8pp |
| Annual return | 18.60% | 60.99%-42.4pp | 196.47%-177.9pp | 31.72%-13.1pp |
| Employer contribution / active EE | $263 | $1,960-86.6% | $2,689-90.2% | $2,471-89.4% |
| Participant deferral / active EE | $1,894 | $3,265-42.0% | $4,245-55.4% | $3,740-49.4% |
| Admin fee / account holder | $2,527 | $6,013-58.0% | $6,643-62.0% | $5,306-52.4% |