Filed January 10, 2017
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
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 | $58,816 | $56,894+3.4% | $84,753-30.6% | $62,881-6.5% |
| Participation rate | 21.8% | 68.5%-46.7pp | 76.6%-54.8pp | 69.3%-47.5pp |
| Annual return | 7.66% | 6.30%+1.4pp | 22.78%-15.1pp | 20.14%-12.5pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $912 | $2,709-66.3% | $3,712-75.4% | $3,203-71.5% |
| Admin fee / account holder | $430 | $3,581-88.0% | $5,333-91.9% | $4,296-90.0% |