Filed March 9, 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 | $69,597 | $52,678+32.1% | $75,784-8.2% | $59,633+16.7% |
| Participation rate | 53.5% | 67.2%-13.7pp | 75.8%-22.3pp | 68.7%-15.1pp |
| Annual return | 0.65% | 2.95%-2.3pp | 9.68%-9.0pp | 2041.45%-2040.8pp |
| Employer contribution / active EE | $1,370 | $2,193-37.5% | $3,323-58.8% | $2,203-37.8% |
| Participant deferral / active EE | $2,740 | $2,591+5.8% | $3,652-25.0% | $3,192-14.2% |
| Admin fee / account holder | $1,098 | $3,610-69.6% | $5,300-79.3% | $4,297-74.4% |