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 | $69,557 | $83,485-16.7% | $125,195-44.4% | $72,976-4.7% |
| Participation rate | 46.3% | 73.3%-27.0pp | 79.8%-33.5pp | 69.5%-23.2pp |
| Annual return | 18.44% | 25.77%-7.3pp | 43.79%-25.4pp | 81.02%-62.6pp |
| Employer contribution / active EE | $760 | $2,346-67.6% | $3,866-80.4% | $2,440-68.9% |
| Participant deferral / active EE | $3,327 | $3,586-7.2% | $4,937-32.6% | $3,608-7.8% |
| Admin fee / account holder | $17,765 | $5,518+222.0% | $9,704+83.1% | $5,124+246.7% |