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 | $78,565 | $99,994-21.4% | $146,643-46.4% | $85,847-8.5% |
| Participation rate | 63.3% | 73.1%-9.8pp | 80.1%-16.8pp | 69.3%-6.1pp |
| Annual return | 11.36% | 18.93%-7.6pp | 22.75%-11.4pp | 318.61%-307.2pp |
| Employer contribution / active EE | $1,094 | $2,559-57.3% | $4,137-73.6% | $2,565-57.4% |
| Participant deferral / active EE | $2,775 | $4,006-30.7% | $5,506-49.6% | $3,952-29.8% |
| Admin fee / account holder | $2,623 | $7,703-65.9% | $10,280-74.5% | $6,261-58.1% |