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 | $137,307 | $86,288+59.1% | $111,306+23.4% | $85,851+59.9% |
| Participation rate | 32.4% | 73.3%-40.9pp | 77.3%-44.9pp | 69.3%-36.9pp |
| Annual return | 12.58% | 19.99%-7.4pp | 54.67%-42.1pp | 318.63%-306.1pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,050 | $3,641-43.7% | $4,488-54.3% | $3,952-48.1% |
| Admin fee / account holder | $14,793 | $8,189+80.6% | $7,966+85.7% | $6,261+136.3% |