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 | $45,741 | $43,133+6.0% | $89,435-48.9% | $73,497-37.8% |
| Participation rate | 26.7% | 55.0%-28.2pp | 68.0%-41.3pp | 70.7%-43.9pp |
| Annual return | 159.87% | 135.66%+24.2pp | 245.55%-85.7pp | 28.51%+131.4pp |
| Employer contribution / active EE | $1,233 | $1,438-14.3% | $2,587-52.4% | $2,270-45.7% |
| Participant deferral / active EE | $2,058 | $2,445-15.8% | $3,890-47.1% | $3,740-45.0% |
| Admin fee / account holder | $5,353 | $444+1106.3% | $4,884+9.6% | $513+943.3% |