Filed December 27, 2016
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $36,345 | $47,479-23.5% | $62,929-42.2% | $82,448-55.9% |
| Participation rate | 36.4% | 66.9%-30.5pp | 73.1%-36.7pp | 68.1%-31.7pp |
| Annual return | 20.00% | 20.34%-0.3pp | 1063.93%-1043.9pp | 41.64%-21.6pp |
| Employer contribution / active EE | $1,104 | $1,885-41.5% | $2,505-55.9% | $2,551-56.7% |
| Participant deferral / active EE | $1,215 | $2,870-57.7% | $3,888-68.7% | $4,139-70.6% |
| Admin fee / account holder | $2,157 | $3,804-43.3% | $5,065-57.4% | $7,234-70.2% |