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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $52,220 | $91,179-42.7% | $178,499-70.7% | $79,852-34.6% |
| Participation rate | 61.4% | 69.2%-7.8pp | 81.9%-20.5pp | 69.6%-8.2pp |
| Annual return | 9.70% | 24.19%-14.5pp | 151.10%-141.4pp | 31.72%-22.0pp |
| Employer contribution / active EE | $2,749 | $3,256-15.6% | $5,011-45.2% | $2,471+11.2% |
| Participant deferral / active EE | $5,723 | $3,236+76.9% | $5,202+10.0% | $3,740+53.0% |
| Admin fee / account holder | $3,696 | $6,749-45.2% | $13,986-73.6% | $5,306-30.3% |