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 | $68,208 | $49,199+38.6% | $121,204-43.7% | $75,173-9.3% |
| Participation rate | 39.8% | 55.4%-15.6pp | 69.5%-29.7pp | 67.2%-27.4pp |
| Annual return | 19.65% | 56.04%-36.4pp | 987.18%-967.5pp | 160.72%-141.1pp |
| Employer contribution / active EE | $1,083 | $1,547-30.0% | $4,170-74.0% | $2,671-59.5% |
| Participant deferral / active EE | $2,072 | $2,630-21.2% | $4,083-49.3% | $4,126-49.8% |
| Admin fee / account holder | $1,354 | $3,946-65.7% | $5,651-76.0% | $5,651-76.0% |