Filed December 20, 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 | $19,636 | $49,249-60.1% | $70,476-72.1% | $79,852-75.4% |
| Participation rate | 68.6% | 69.2%-0.5pp | 75.1%-6.4pp | 69.6%-1.0pp |
| Annual return | 15.65% | 30.09%-14.4pp | 109.12%-93.5pp | 31.72%-16.1pp |
| Employer contribution / active EE | $710 | $2,100-66.2% | $2,738-74.1% | $2,471-71.3% |
| Participant deferral / active EE | $2,784 | $2,769+0.5% | $3,710-25.0% | $3,740-25.6% |
| Admin fee / account holder | $1,362 | $2,878-52.7% | $3,847-64.6% | $5,306-74.3% |