Filed November 8, 2016
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $131,242 | $81,476+61.1% | $102,383+28.2% | $80,925+62.2% |
| Participation rate | 52.0% | 66.8%-14.8pp | 74.5%-22.5pp | 67.7%-15.7pp |
| Annual return | 18.87% | 25.59%-6.7pp | 24.94%-6.1pp | 35.65%-16.8pp |
| Employer contribution / active EE | $749 | $3,105-75.9% | $3,870-80.6% | $2,756-72.8% |
| Participant deferral / active EE | $4,824 | $3,871+24.6% | $5,060-4.7% | $4,299+12.2% |
| Admin fee / account holder | $4,898 | $6,717-27.1% | $8,391-41.6% | $6,940-29.4% |