Filed August 30, 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 | $19,974 | $48,053-58.4% | $84,637-76.4% | $72,976-72.6% |
| Participation rate | 26.3% | 57.6%-31.3pp | 68.2%-42.0pp | 69.5%-43.2pp |
| Annual return | 22.68% | 37.39%-14.7pp | 258.82%-236.1pp | 81.02%-58.3pp |
| Employer contribution / active EE | $726 | $1,602-54.7% | $2,653-72.6% | $2,440-70.3% |
| Participant deferral / active EE | $1,014 | $2,681-62.2% | $3,900-74.0% | $3,608-71.9% |
| Admin fee / account holder | $1,063 | $3,395-68.7% | $4,914-78.4% | $5,124-79.3% |