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.)
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 | $36,945 | $50,643-27.0% | $106,619-65.3% | $55,167-33.0% |
| Participation rate | 53.8% | 65.6%-11.7pp | 78.0%-24.1pp | 69.0%-15.1pp |
| Annual return | 10.30% | 7.02%+3.3pp | 9.42%+0.9pp | 169.23%-158.9pp |
| Employer contribution / active EE | $637 | $1,626-60.8% | $3,947-83.9% | $1,963-67.5% |
| Participant deferral / active EE | $1,836 | $2,208-16.8% | $3,930-53.3% | $3,054-39.9% |
| Admin fee / account holder | $1,662 | $488+240.6% | $6,418-74.1% | $504+229.8% |