Filed March 18, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $47,128 | $68,586-31.3% | $120,380-60.9% | $80,911-41.8% |
| Participation rate | 58.5% | 61.6%-3.1pp | 71.9%-13.5pp | 67.6%-9.2pp |
| Annual return | 8.42% | 23.62%-15.2pp | 107.28%-98.9pp | 35.63%-27.2pp |
| Employer contribution / active EE | $1,273 | $2,053-38.0% | $3,465-63.3% | $2,756-53.8% |
| Participant deferral / active EE | $2,844 | $3,174-10.4% | $4,992-43.0% | $4,297-33.8% |
| Admin fee / account holder | $34,631 | $5,733+504.1% | $9,421+267.6% | $6,935+399.4% |