Filed January 21, 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 | $34,083 | $77,638-56.1% | $156,551-78.2% | $62,881-45.8% |
| Participation rate | 60.4% | 71.2%-10.8pp | 84.0%-23.6pp | 69.3%-8.9pp |
| Annual return | 6.96% | 50.33%-43.4pp | 32.23%-25.3pp | 20.14%-13.2pp |
| Employer contribution / active EE | $2,199 | $3,444-36.2% | $5,501-60.0% | $2,281-3.6% |
| Participant deferral / active EE | $4,460 | $3,046+46.4% | $4,871-8.4% | $3,203+39.2% |
| Admin fee / account holder | $2,248 | $5,561-59.6% | $13,028-82.7% | $4,296-47.7% |