Filed April 4, 2016
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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 | $82,341 | $101,795-19.1% | $165,100-50.1% | $80,959+1.7% |
| Participation rate | 62.0% | 71.8%-9.8pp | 78.6%-16.6pp | 67.7%-5.7pp |
| Annual return | 16.03% | 16.73%-0.7pp | 70.21%-54.2pp | 35.67%-19.6pp |
| Employer contribution / active EE | $1,320 | $2,954-55.3% | $4,348-69.6% | $2,757-52.1% |
| Participant deferral / active EE | $3,649 | $4,476-18.5% | $6,035-39.5% | $4,300-15.1% |
| Admin fee / account holder | $2,693 | $8,221-67.2% | $12,696-78.8% | $6,925-61.1% |