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 | $64,793 | $78,707-17.7% | $117,861-45.0% | $70,126-7.6% |
| Participation rate | 52.5% | 73.2%-20.7pp | 79.7%-27.2pp | 69.5%-17.1pp |
| Annual return | 13.10% | 23.30%-10.2pp | 335.11%-322.0pp | 73.15%-60.0pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,182 | $3,297-3.5% | $4,482-29.0% | $3,332-4.5% |
| Admin fee / account holder | $3,660 | $5,066-27.7% | $8,021-54.4% | $4,645-21.2% |