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 | $59,601 | $77,901-23.5% | $149,717-60.2% | $75,181-20.7% |
| Participation rate | 66.0% | 65.6%+0.4pp | 78.8%-12.8pp | 67.2%-1.2pp |
| Annual return | 30.90% | 31.73%-0.8pp | 134.41%-103.5pp | 160.69%-129.8pp |
| Employer contribution / active EE | $2,859 | $3,137-8.9% | $4,820-40.7% | $2,671+7.1% |
| Participant deferral / active EE | $6,444 | $3,411+88.9% | $5,682+13.4% | $4,126+56.2% |
| Admin fee / account holder | $1,423 | $5,949-76.1% | $13,213-89.2% | $5,650-74.8% |