Filed October 15, 2015
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,063 | $80,332-80.0% | $107,187-85.0% | $64,097-74.9% |
| Participation rate | 100.0% | 54.4%+45.6pp | 75.0%+25.0pp | 55.2%+44.8pp |
| Annual return | 19.37% | 24.26%-4.9pp | 204.55%-185.2pp | 34.64%-15.3pp |
| Employer contribution / active EE | $1,980 | $2,501-20.8% | $3,782-47.7% | $1,891+4.7% |
| Participant deferral / active EE | $2,797 | $3,109-10.0% | $5,096-45.1% | $3,080-9.2% |
| Admin fee / account holder | $1,489 | $4,314-65.5% | $9,162-83.8% | $3,454-56.9% |