Filed January 7, 2016
Total covered: 2 employees
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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 | $44,022 | $53,774-18.1% | $134,162-67.2% | $79,852-44.9% |
| Participation rate | 57.1% | 58.8%-1.6pp | 72.2%-15.0pp | 69.6%-12.5pp |
| Annual return | 13.70% | 19.01%-5.3pp | 36.35%-22.6pp | 31.72%-18.0pp |
| Employer contribution / active EE | $1,955 | $1,322+47.9% | $3,705-47.2% | $2,471-20.9% |
| Participant deferral / active EE | $3,413 | $2,420+41.1% | $3,500-2.5% | $3,740-8.7% |
| Admin fee / account holder | $16,583 | $3,985+316.2% | $6,685+148.0% | $5,306+212.5% |