Filed November 4, 2016
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,649 | $53,774-43.0% | $134,162-77.2% | $79,852-61.6% |
| Participation rate | 64.3% | 58.8%+5.5pp | 72.2%-7.9pp | 69.6%-5.4pp |
| Annual return | 6.24% | 19.01%-12.8pp | 36.35%-30.1pp | 31.72%-25.5pp |
| Employer contribution / active EE | $1,029 | $1,322-22.1% | $3,705-72.2% | $2,471-58.3% |
| Participant deferral / active EE | $4,363 | $2,420+80.3% | $3,500+24.7% | $3,740+16.7% |
| Admin fee / account holder | $12 | $3,985-99.7% | $6,685-99.8% | $5,306-99.8% |