Filed May 27, 2015
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $152,905 | $108,825+40.5% | $156,181-2.1% | $82,448+85.5% |
| Participation rate | 66.7% | 72.4%-5.7pp | 78.8%-12.2pp | 68.1%-1.4pp |
| Annual return | 11.64% | 20.59%-8.9pp | 64.87%-53.2pp | 41.64%-30.0pp |
| Employer contribution / active EE | $408 | $2,870-85.8% | $4,294-90.5% | $2,551-84.0% |
| Participant deferral / active EE | $2,501 | $4,577-45.4% | $6,132-59.2% | $4,139-39.6% |
| Admin fee / account holder | $4,289 | $9,341-54.1% | $14,586-70.6% | $7,234-40.7% |