Filed January 8, 2015
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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 | $35,442 | $84,236-57.9% | $170,435-79.2% | $70,126-49.5% |
| Participation rate | 34.2% | 70.8%-36.6pp | 83.6%-49.4pp | 69.5%-35.3pp |
| Annual return | 15.81% | 23.06%-7.3pp | 205.94%-190.1pp | 73.15%-57.3pp |
| Employer contribution / active EE | $838 | $3,387-75.3% | $5,432-84.6% | $2,343-64.2% |
| Participant deferral / active EE | $2,136 | $3,086-30.8% | $4,939-56.8% | $3,332-35.9% |
| Admin fee / account holder | $636 | $5,698-88.8% | $13,881-95.4% | $4,645-86.3% |