Filed April 13, 2015
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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 | $54,025 | $65,704-17.8% | $94,229-42.7% | $59,633-9.4% |
| Participation rate | 61.7% | 72.1%-10.4pp | 78.8%-17.0pp | 68.7%-6.9pp |
| Annual return | -1.71% | 5.22%-6.9pp | 10.68%-12.4pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $2,087 | $2,021+3.3% | $3,587-41.8% | $2,203-5.3% |
| Participant deferral / active EE | $4,055 | $3,143+29.0% | $4,320-6.1% | $3,192+27.1% |
| Admin fee / account holder | $3,933 | $4,265-7.8% | $6,269-37.3% | $4,297-8.5% |