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 | $140,193 | $36,948+279.4% | $73,658+90.3% | $87,485+60.2% |
| Participation rate | 54.3% | 46.8%+7.5pp | 57.0%-2.7pp | 68.9%-14.6pp |
| Annual return | 15.11% | 28.64%-13.5pp | 29.72%-14.6pp | 26.06%-11.0pp |
| Employer contribution / active EE | $3,395 | $670+406.6% | $1,032+228.8% | $2,596+30.8% |
| Participant deferral / active EE | $6,922 | $1,379+401.9% | $2,062+235.7% | $4,274+62.0% |
| Admin fee / account holder | $14,446 | $2,531+470.8% | $3,357+330.4% | $7,775+85.8% |