Filed August 5, 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 | $156,310 | $65,367+139.1% | $92,915+68.2% | $72,976+114.2% |
| Participation rate | 58.6% | 68.3%-9.7pp | 76.0%-17.4pp | 69.5%-10.9pp |
| Annual return | 33.12% | 42.11%-9.0pp | 109.45%-76.3pp | 81.02%-47.9pp |
| Employer contribution / active EE | $972 | $2,594-62.5% | $3,653-73.4% | $2,440-60.2% |
| Participant deferral / active EE | $6,657 | $3,128+112.8% | $4,238+57.1% | $3,608+84.5% |
| Admin fee / account holder | $536 | $4,251-87.4% | $5,796-90.8% | $5,124-89.5% |