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 | $114,712+33.3% | $173,730-12.0% | $87,485+74.8% |
| Participation rate | 66.7% | 73.0%-6.3pp | 79.6%-12.9pp | 68.9%-2.3pp |
| Annual return | 11.64% | 20.18%-8.5pp | 19.96%-8.3pp | 26.06%-14.4pp |
| Employer contribution / active EE | $408 | $2,904-86.0% | $4,577-91.1% | $2,596-84.3% |
| Participant deferral / active EE | $2,501 | $4,642-46.1% | $6,326-60.5% | $4,274-41.5% |
| Admin fee / account holder | $4,289 | $10,210-58.0% | $17,523-75.5% | $7,775-44.8% |