Filed April 7, 2016 (most recent of 2 filings on file)
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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 | $89,546 | $77,569+15.4% | $115,599-22.5% | $64,097+39.7% |
| Participation rate | 33.3% | 60.7%-27.3pp | 74.3%-40.9pp | 55.2%-21.9pp |
| Annual return | 13.63% | 18.52%-4.9pp | 111.10%-97.5pp | 34.64%-21.0pp |
| Employer contribution / active EE | $1,239 | $1,915-35.3% | $2,955-58.1% | $1,891-34.5% |
| Participant deferral / active EE | $2,966 | $3,327-10.9% | $4,889-39.3% | $3,080-3.7% |
| Admin fee / account holder | $12,428 | $4,470+178.1% | $12,841-3.2% | $3,454+259.8% |