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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $48,044 | $65,704-26.9% | $94,229-49.0% | $59,633-19.4% |
| Participation rate | 53.3% | 72.1%-18.8pp | 78.8%-25.4pp | 68.7%-15.3pp |
| Annual return | -4.62% | 5.22%-9.8pp | 10.68%-15.3pp | 2041.45%-2046.1pp |
| Employer contribution / active EE | $812 | $2,021-59.8% | $3,587-77.3% | $2,203-63.1% |
| Participant deferral / active EE | $2,704 | $3,143-14.0% | $4,320-37.4% | $3,192-15.3% |
| Admin fee / account holder | $1,564 | $4,265-63.3% | $6,269-75.1% | $4,297-63.6% |