Filed June 30, 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 | $61,056 | $45,343+34.7% | $150,298-59.4% | $67,986-10.2% |
| Participation rate | 13.6% | 51.9%-38.3pp | 77.8%-64.2pp | 57.2%-43.6pp |
| Annual return | 12.16% | 33.28%-21.1pp | 62.79%-50.6pp | 31.67%-19.5pp |
| Employer contribution / active EE | $426 | $1,462-70.9% | $4,154-89.7% | $2,019-78.9% |
| Participant deferral / active EE | $738 | $2,055-64.1% | $5,453-86.5% | $3,358-78.0% |
| Admin fee / account holder | $5,918 | $2,250+163.0% | $14,116-58.1% | $3,203+84.7% |