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 | $58,831 | $76,371-23.0% | $93,621-37.2% | $72,976-19.4% |
| Participation rate | 23.3% | 71.8%-48.5pp | 75.8%-52.6pp | 69.5%-46.2pp |
| Annual return | 30.95% | 25.82%+5.1pp | 32.76%-1.8pp | 81.02%-50.1pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $618 | $3,538-82.5% | $4,070-84.8% | $3,608-82.9% |
| Admin fee / account holder | $1,855 | $6,839-72.9% | $7,890-76.5% | $5,124-63.8% |