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 | $75,706 | $78,707-3.8% | $117,861-35.8% | $70,126+8.0% |
| Participation rate | 51.0% | 73.2%-22.2pp | 79.7%-28.6pp | 69.5%-18.5pp |
| Annual return | 18.05% | 23.30%-5.2pp | 335.11%-317.1pp | 73.15%-55.1pp |
| Employer contribution / active EE | $778 | $2,223-65.0% | $3,786-79.5% | $2,343-66.8% |
| Participant deferral / active EE | $2,597 | $3,297-21.2% | $4,482-42.1% | $3,332-22.0% |
| Admin fee / account holder | $950 | $5,066-81.3% | $8,021-88.2% | $4,645-79.6% |