Filed April 11, 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 | $43,181 | $45,152-4.4% | $73,836-41.5% | $59,633-27.6% |
| Participation rate | 47.1% | 64.0%-16.9pp | 73.4%-26.3pp | 68.7%-21.5pp |
| Annual return | -0.41% | 27.40%-27.8pp | 2268.06%-2268.5pp | 2041.45%-2041.9pp |
| Employer contribution / active EE | $523 | $1,901-72.5% | $2,787-81.2% | $2,203-76.2% |
| Participant deferral / active EE | $1,437 | $2,573-44.2% | $3,583-59.9% | $3,192-55.0% |
| Admin fee / account holder | $9,680 | $3,515+175.4% | $4,882+98.3% | $4,297+125.3% |