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 | $87,132+14.7% | $105,624-5.4% | $80,959+23.5% |
| Participation rate | 17.7% | 70.4%-52.7pp | 75.3%-57.6pp | 67.7%-49.9pp |
| Annual return | 10.75% | 17.03%-6.3pp | 116.20%-105.5pp | 35.67%-24.9pp |
| Employer contribution / active EE | $832 | $2,397-65.3% | $3,168-73.7% | $2,757-69.8% |
| Participant deferral / active EE | $1,769 | $3,985-55.6% | $5,013-64.7% | $4,300-58.9% |
| Admin fee / account holder | $12,367 | $8,449+46.4% | $10,961+12.8% | $6,925+78.6% |