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 | $52,481 | $69,977-25.0% | $108,582-51.7% | $62,881-16.5% |
| Participation rate | 49.3% | 72.9%-23.6pp | 79.6%-30.3pp | 69.3%-20.1pp |
| Annual return | 6.19% | 10.73%-4.5pp | -51.70%+57.9pp | 20.14%-14.0pp |
| Employer contribution / active EE | $586 | $2,135-72.5% | $3,758-84.4% | $2,281-74.3% |
| Participant deferral / active EE | $2,861 | $3,165-9.6% | $4,311-33.6% | $3,203-10.7% |
| Admin fee / account holder | $5,667 | $5,076+11.6% | $7,645-25.9% | $4,296+31.9% |