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 | $99,075 | $52,581+88.4% | $130,788-24.2% | $64,340+54.0% |
| Participation rate | 38.3% | 46.5%-8.2pp | 70.1%-31.8pp | 55.2%-16.9pp |
| Annual return | 14.78% | 20.39%-5.6pp | 386.44%-371.7pp | 24.14%-9.4pp |
| Employer contribution / active EE | $1,124 | $1,031+9.0% | $3,558-68.4% | $1,862-39.6% |
| Participant deferral / active EE | $2,098 | $2,200-4.7% | $4,137-49.3% | $2,980-29.6% |
| Admin fee / account holder | $667 | $4,583-85.4% | $6,673-90.0% | $3,703-82.0% |