Filed December 20, 2016
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $19,035 | $45,079-57.8% | $69,461-72.6% | $72,983-73.9% |
| Participation rate | 45.5% | 68.5%-23.0pp | 74.6%-29.2pp | 69.5%-24.0pp |
| Annual return | 20.34% | 22.65%-2.3pp | 28.97%-8.6pp | 81.01%-60.7pp |
| Employer contribution / active EE | $0 | $2,055-100.0% | $2,779-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,418 | $2,603-7.1% | $3,536-31.6% | $3,608-33.0% |
| Admin fee / account holder | $406 | $3,056-86.7% | $3,840-89.4% | $5,124-92.1% |