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 | $68,878-31.6% | $120,574-60.9% | $80,935-41.8% |
| Participation rate | 58.5% | 61.7%-3.2pp | 71.9%-13.5pp | 67.7%-9.2pp |
| Annual return | 8.42% | 23.67%-15.2pp | 107.42%-99.0pp | 35.66%-27.2pp |
| Employer contribution / active EE | $1,273 | $2,065-38.4% | $3,471-63.3% | $2,757-53.8% |
| Participant deferral / active EE | $2,844 | $3,189-10.8% | $4,996-43.1% | $4,299-33.9% |
| Admin fee / account holder | $34,631 | $5,782+499.0% | $9,445+266.7% | $6,924+400.1% |