Filed November 8, 2016
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $53,971 | $57,352-5.9% | $83,831-35.6% | $64,173-15.9% |
| Participation rate | 64.3% | 68.6%-4.3pp | 76.1%-11.9pp | 69.6%-5.3pp |
| Annual return | -4.58% | 11.38%-16.0pp | 850.99%-855.6pp | 7.63%-12.2pp |
| Employer contribution / active EE | $621 | $2,546-75.6% | $3,631-82.9% | $2,381-73.9% |
| Participant deferral / active EE | $2,493 | $2,993-16.7% | $4,082-38.9% | $3,470-28.1% |
| Admin fee / account holder | $659 | $4,046-83.7% | $5,479-88.0% | $4,887-86.5% |