Filed December 12, 2014
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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 | $64,827 | $53,774+20.6% | $134,162-51.7% | $79,856-18.8% |
| Participation rate | 34.6% | 58.8%-24.2pp | 72.2%-37.6pp | 69.6%-35.0pp |
| Annual return | 18.15% | 19.01%-0.9pp | 36.35%-18.2pp | 31.71%-13.6pp |
| Employer contribution / active EE | $804 | $1,322-39.2% | $3,705-78.3% | $2,471-67.5% |
| Participant deferral / active EE | $1,572 | $2,420-35.0% | $3,500-55.1% | $3,741-58.0% |
| Admin fee / account holder | $5,103 | $3,985+28.1% | $6,685-23.7% | $5,306-3.8% |