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.)
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 | $29,694 | $57,330-48.2% | $86,656-65.7% | $75,177-60.5% |
| Participation rate | 46.4% | 63.2%-16.8pp | 71.7%-25.3pp | 67.2%-20.8pp |
| Annual return | 14.84% | 2675.40%-2660.6pp | 593.09%-578.3pp | 160.75%-145.9pp |
| Employer contribution / active EE | $1,152 | $2,316-50.3% | $3,025-61.9% | $2,671-56.9% |
| Participant deferral / active EE | $2,190 | $3,320-34.0% | $4,439-50.7% | $4,126-46.9% |
| Admin fee / account holder | $5,206 | $4,115+26.5% | $5,619-7.4% | $5,651-7.9% |