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 | $44,368 | $85,169-47.9% | $172,755-74.3% | $72,983-39.2% |
| Participation rate | 35.4% | 70.1%-34.6pp | 82.6%-47.2pp | 69.5%-34.0pp |
| Annual return | 21.09% | 27.32%-6.2pp | 802.94%-781.9pp | 81.01%-59.9pp |
| Employer contribution / active EE | $1,030 | $3,324-69.0% | $5,144-80.0% | $2,440-57.8% |
| Participant deferral / active EE | $2,612 | $3,260-19.9% | $5,198-49.7% | $3,608-27.6% |
| Admin fee / account holder | $1,710 | $5,880-70.9% | $13,955-87.7% | $5,124-66.6% |