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 | $56,223 | $63,346-11.2% | $92,240-39.0% | $70,126-19.8% |
| Participation rate | 27.8% | 68.7%-40.9pp | 76.5%-48.7pp | 69.5%-41.8pp |
| Annual return | 17.94% | 530.19%-512.3pp | 176.29%-158.4pp | 73.15%-55.2pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,131 | $2,854-60.4% | $3,897-71.0% | $3,332-66.0% |
| Admin fee / account holder | $669 | $3,841-82.6% | $5,194-87.1% | $4,645-85.6% |