Filed April 27, 2017
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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 | $27,648 | $46,534-40.6% | $64,097-56.9% | $75,177-63.2% |
| Participation rate | 46.3% | 65.9%-19.6pp | 72.3%-26.0pp | 67.2%-20.9pp |
| Annual return | 14.26% | 26.07%-11.8pp | 33.75%-19.5pp | 160.75%-146.5pp |
| Employer contribution / active EE | $1,090 | $1,976-44.8% | $2,750-60.3% | $2,671-59.2% |
| Participant deferral / active EE | $1,417 | $2,835-50.0% | $3,881-63.5% | $4,126-65.7% |
| Admin fee / account holder | $3,339 | $2,957+12.9% | $3,070+8.8% | $5,651-40.9% |