Filed November 4, 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 | $22,993 | $46,722-50.8% | $130,660-82.4% | $65,185-64.7% |
| Participation rate | 57.1% | 60.9%-3.8pp | 71.7%-14.6pp | 70.2%-13.1pp |
| Annual return | 29.28% | 24.17%+5.1pp | 1709.29%-1680.0pp | 29.38%-0.1pp |
| Employer contribution / active EE | $475 | $1,488-68.1% | $4,092-88.4% | $2,177-78.2% |
| Participant deferral / active EE | $2,358 | $2,545-7.3% | $3,603-34.5% | $3,514-32.9% |
| Admin fee / account holder | $411 | $453-9.2% | $5,463-92.5% | $847-51.5% |