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 | $49,946 | $91,179-45.2% | $178,499-72.0% | $79,852-37.5% |
| Participation rate | 26.7% | 69.2%-42.5pp | 81.9%-55.3pp | 69.6%-43.0pp |
| Annual return | 13.78% | 24.19%-10.4pp | 151.10%-137.3pp | 31.72%-17.9pp |
| Employer contribution / active EE | $735 | $3,256-77.4% | $5,011-85.3% | $2,471-70.3% |
| Participant deferral / active EE | $2,249 | $3,236-30.5% | $5,202-56.8% | $3,740-39.9% |
| Admin fee / account holder | $5,750 | $6,749-14.8% | $13,986-58.9% | $5,306+8.4% |