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 | $67,150 | $56,894+18.0% | $84,753-20.8% | $62,881+6.8% |
| Participation rate | 62.3% | 68.5%-6.2pp | 76.6%-14.3pp | 69.3%-7.0pp |
| Annual return | 8.35% | 6.30%+2.0pp | 22.78%-14.4pp | 20.14%-11.8pp |
| Employer contribution / active EE | $1,931 | $2,400-19.5% | $3,574-46.0% | $2,281-15.3% |
| Participant deferral / active EE | $3,914 | $2,709+44.5% | $3,712+5.4% | $3,203+22.2% |
| Admin fee / account holder | $3,456 | $3,581-3.5% | $5,333-35.2% | $4,296-19.5% |