Filed January 10, 2017
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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 | $99,957 | $87,037+14.8% | $106,201-5.9% | $80,874+23.6% |
| Participation rate | 17.7% | 70.4%-52.7pp | 75.3%-57.6pp | 67.6%-49.9pp |
| Annual return | 10.75% | 17.05%-6.3pp | 116.26%-105.5pp | 35.62%-24.9pp |
| Employer contribution / active EE | $832 | $2,396-65.3% | $3,170-73.7% | $2,756-69.8% |
| Participant deferral / active EE | $1,769 | $3,986-55.6% | $5,012-64.7% | $4,297-58.8% |
| Admin fee / account holder | $12,367 | $8,434+46.6% | $11,039+12.0% | $6,935+78.3% |