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 | $92,685 | $52,450+76.7% | $129,397-28.4% | $74,429+24.5% |
| Participation rate | 35.2% | 53.8%-18.6pp | 69.6%-34.4pp | 67.2%-32.0pp |
| Annual return | 16.83% | 15.65%+1.2pp | 9453.98%-9437.2pp | 1368.38%-1351.6pp |
| Employer contribution / active EE | $1,071 | $1,532-30.1% | $4,154-74.2% | $2,625-59.2% |
| Participant deferral / active EE | $2,013 | $2,797-28.0% | $4,167-51.7% | $4,348-53.7% |
| Admin fee / account holder | $659 | $2,636-75.0% | $7,679-91.4% | $1,944-66.1% |