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 | $63,198 | $106,008-40.4% | $92,240-31.5% | $147,586-57.2% |
| Participation rate | 66.7% | 80.4%-13.7pp | 76.5%-9.8pp | 82.8%-16.2pp |
| Annual return | 20.20% | 50.05%-29.8pp | 176.29%-156.1pp | 578.59%-558.4pp |
| Employer contribution / active EE | $659 | $4,333-84.8% | $3,680-82.1% | $4,876-86.5% |
| Participant deferral / active EE | $2,282 | $4,478-49.0% | $3,897-41.4% | $5,439-58.0% |
| Admin fee / account holder | $3,932 | $6,333-37.9% | $5,194-24.3% | $10,886-63.9% |