Filed October 10, 2016
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $113,600 | $95,453+19.0% | $112,040+1.4% | $82,448+37.8% |
| Participation rate | 33.3% | 72.8%-39.4pp | 76.5%-43.2pp | 68.1%-34.7pp |
| Annual return | 13.10% | 23.92%-10.8pp | 24.52%-11.4pp | 41.64%-28.5pp |
| Employer contribution / active EE | $608 | $2,318-73.8% | $2,954-79.4% | $2,551-76.2% |
| Participant deferral / active EE | $2,284 | $4,224-45.9% | $5,098-55.2% | $4,139-44.8% |
| Admin fee / account holder | $4,406 | $9,013-51.1% | $12,098-63.6% | $7,234-39.1% |