Filed October 10, 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 | $57,561 | $65,704-12.4% | $94,229-38.9% | $59,633-3.5% |
| Participation rate | 50.9% | 72.1%-21.2pp | 78.8%-27.8pp | 68.7%-17.7pp |
| Annual return | -0.18% | 5.22%-5.4pp | 10.68%-10.9pp | 2041.45%-2041.6pp |
| Employer contribution / active EE | $677 | $2,021-66.5% | $3,587-81.1% | $2,203-69.3% |
| Participant deferral / active EE | $2,820 | $3,143-10.3% | $4,320-34.7% | $3,192-11.7% |
| Admin fee / account holder | $1,432 | $4,265-66.4% | $6,269-77.2% | $4,297-66.7% |