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 | $62,462 | $69,977-10.7% | $108,582-42.5% | $62,881-0.7% |
| Participation rate | 50.0% | 72.9%-22.9pp | 79.6%-29.6pp | 69.3%-19.3pp |
| Annual return | 8.95% | 10.73%-1.8pp | -51.70%+60.6pp | 20.14%-11.2pp |
| Employer contribution / active EE | $842 | $2,135-60.6% | $3,758-77.6% | $2,281-63.1% |
| Participant deferral / active EE | $2,579 | $3,165-18.5% | $4,311-40.2% | $3,203-19.5% |
| Admin fee / account holder | $661 | $5,076-87.0% | $7,645-91.3% | $4,296-84.6% |