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 | $43,496+40.4% | $161,489-62.2% | $64,340-5.1% |
| Participation rate | 13.6% | 53.5%-39.9pp | 78.7%-65.1pp | 55.2%-41.7pp |
| Annual return | 12.16% | 20.76%-8.6pp | 89.72%-77.6pp | 24.14%-12.0pp |
| Employer contribution / active EE | $426 | $1,431-70.2% | $4,268-90.0% | $1,862-77.1% |
| Participant deferral / active EE | $738 | $1,996-63.0% | $5,630-86.9% | $2,980-75.2% |
| Admin fee / account holder | $5,918 | $2,330+154.0% | $16,006-63.0% | $3,703+59.8% |