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 | $60,454-48.0% | $81,844-61.6% | $74,459-57.8% |
| Participation rate | 33.7% | 63.0%-29.3pp | 72.4%-38.7pp | 67.2%-33.6pp |
| Annual return | 10.55% | 16.87%-6.3pp | 778.87%-768.3pp | 1369.70%-1359.2pp |
| Employer contribution / active EE | $864 | $2,630-67.1% | $2,916-70.4% | $2,626-67.1% |
| Participant deferral / active EE | $1,597 | $3,398-53.0% | $4,323-63.1% | $4,350-63.3% |
| Admin fee / account holder | $2,699 | $1,490+81.1% | $7,355-63.3% | $1,945+38.8% |