Filed December 20, 2016
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,831 | $46,596-63.9% | $64,099-73.7% | $75,181-77.6% |
| Participation rate | 88.9% | 65.9%+23.0pp | 72.3%+16.6pp | 67.2%+21.7pp |
| Annual return | 6.31% | 26.04%-19.7pp | 33.70%-27.4pp | 160.69%-154.4pp |
| Employer contribution / active EE | $1,810 | $1,975-8.3% | $2,748-34.1% | $2,671-32.2% |
| Participant deferral / active EE | $2,596 | $2,837-8.5% | $3,881-33.1% | $4,126-37.1% |
| Admin fee / account holder | $1,310 | $2,954-55.7% | $3,070-57.3% | $5,650-76.8% |