Filed May 2, 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 | $94,987 | $39,028+143.4% | $80,741+17.6% | $85,847+10.6% |
| Participation rate | 63.9% | 41.6%+22.3pp | 54.2%+9.7pp | 69.3%-5.4pp |
| Annual return | 12.70% | 26.31%-13.6pp | 87.30%-74.6pp | 318.61%-305.9pp |
| Employer contribution / active EE | $3,149 | $722+336.0% | $1,160+171.4% | $2,565+22.7% |
| Participant deferral / active EE | $5,524 | $1,326+316.6% | $2,145+157.5% | $3,952+39.8% |
| Admin fee / account holder | $2,343 | $2,429-3.5% | $3,380-30.7% | $6,261-62.6% |