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.)
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 | $38,048 | $165,399-77.0% | $149,745-74.6% | $158,982-76.1% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 15.54% | 348.34%-332.8pp | 276.72%-261.2pp | 302.99%-287.5pp |
| Employer contribution / active EE | $4,746 | $5,105-7.0% | $4,646+2.1% | $4,763-0.4% |
| Participant deferral / active EE | $4,284 | $7,183-40.4% | $6,843-37.4% | $5,983-28.4% |
| Admin fee / account holder | $2,860 | $10,811-73.5% | $9,312-69.3% | $11,252-74.6% |