Filed February 4, 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,675 | $138,075-88.6% | $123,552-87.3% | $135,379-88.4% |
| Participation rate | 46.7% | 84.7%-38.1pp | 82.3%-35.6pp | 82.6%-36.0pp |
| Annual return | -4.36% | 153.70%-158.1pp | 119.20%-123.6pp | 519.79%-524.1pp |
| Employer contribution / active EE | $2,227 | $5,152-56.8% | $4,628-51.9% | $4,779-53.4% |
| Participant deferral / active EE | $2,698 | $6,800-60.3% | $6,426-58.0% | $5,609-51.9% |
| Admin fee / account holder | $9,073 | $10,917-16.9% | $9,285-2.3% | $10,828-16.2% |