Filed April 21, 2017
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $26,444 | $66,302-60.1% | $110,243-76.0% | $56,287-53.0% |
| Participation rate | 88.8% | 74.9%+13.9pp | 79.8%+9.0pp | 69.9%+18.9pp |
| Annual return | 10.51% | -1.18%+11.7pp | 314.76%-304.2pp | -9.96%+20.5pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $3,827-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,129 | $3,381-37.0% | $4,672-54.4% | $3,350-36.4% |
| Admin fee / account holder | $1,565 | $698+124.0% | $8,548-81.7% | $521+200.3% |