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 | $76,682 | $58,726+30.6% | $142,898-46.3% | $85,847-10.7% |
| Participation rate | 33.7% | 58.5%-24.8pp | 72.0%-38.2pp | 69.3%-35.6pp |
| Annual return | 14.82% | 27.73%-12.9pp | 5639.64%-5624.8pp | 318.61%-303.8pp |
| Employer contribution / active EE | $874 | $1,424-38.6% | $4,146-78.9% | $2,565-65.9% |
| Participant deferral / active EE | $1,872 | $2,609-28.2% | $3,838-51.2% | $3,952-52.6% |
| Admin fee / account holder | $1,366 | $4,234-67.7% | $6,560-79.2% | $6,261-78.2% |