Filed June 10, 2015
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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 | $31,409 | $60,393-48.0% | $81,820-61.6% | $74,429-57.8% |
| Participation rate | 33.7% | 62.9%-29.2pp | 72.4%-38.7pp | 67.2%-33.6pp |
| Annual return | 10.55% | 16.89%-6.3pp | 777.93%-767.4pp | 1368.38%-1357.8pp |
| Employer contribution / active EE | $864 | $2,626-67.1% | $2,915-70.3% | $2,625-67.1% |
| Participant deferral / active EE | $1,597 | $3,397-53.0% | $4,323-63.1% | $4,348-63.3% |
| Admin fee / account holder | $2,699 | $1,491+81.1% | $7,391-63.5% | $1,944+38.8% |