Filed October 27, 2015
Total covered: 5 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 | $38,597 | $46,877-17.7% | $122,354-68.5% | $70,126-45.0% |
| Participation rate | 52.5% | 58.2%-5.7pp | 71.6%-19.1pp | 69.5%-17.0pp |
| Annual return | 19.99% | 24.22%-4.2pp | 30.28%-10.3pp | 73.15%-53.2pp |
| Employer contribution / active EE | $2,452 | $1,288+90.4% | $4,051-39.5% | $2,343+4.7% |
| Participant deferral / active EE | $3,244 | $2,167+49.7% | $3,287-1.3% | $3,332-2.7% |
| Admin fee / account holder | $2,218 | $3,324-33.3% | $5,479-59.5% | $4,645-52.3% |