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 | $50,453 | $56,134-10.1% | $96,192-47.5% | $85,851-41.2% |
| Participation rate | 46.6% | 56.7%-10.1pp | 68.4%-21.9pp | 69.3%-22.7pp |
| Annual return | 13.93% | 42.30%-28.4pp | 192.09%-178.2pp | 318.63%-304.7pp |
| Employer contribution / active EE | $1,808 | $1,620+11.6% | $2,799-35.4% | $2,565-29.5% |
| Participant deferral / active EE | $2,993 | $2,858+4.7% | $4,351-31.2% | $3,952-24.3% |
| Admin fee / account holder | $1,696 | $3,769-55.0% | $5,539-69.4% | $6,261-72.9% |