Filed June 30, 2016
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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 | $61,056 | $46,688+30.8% | $189,758-67.8% | $69,733-12.4% |
| Participation rate | 13.6% | 61.7%-48.1pp | 79.8%-66.2pp | 62.5%-48.9pp |
| Annual return | 12.16% | 14.35%-2.2pp | 52.62%-40.5pp | 15.22%-3.1pp |
| Employer contribution / active EE | $426 | $1,695-74.9% | $4,767-91.1% | $2,250-81.1% |
| Participant deferral / active EE | $738 | $2,143-65.6% | $5,856-87.4% | $3,054-75.8% |
| Admin fee / account holder | $5,918 | $1,700+248.0% | $20,388-71.0% | $3,102+90.8% |