Filed February 13, 2024
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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 | $189,606 | $88,707+113.7% | $74,184+155.6% | $273,972-30.8% |
| Participation rate | 69.6% | 79.4%-9.9pp | 76.6%-7.1pp | 83.0%-13.5pp |
| Annual return | -0.67% | 11.94%-12.6pp | 17.74%-18.4pp | 41.46%-42.1pp |
| Employer contribution / active EE | $1,198 | $3,159-62.1% | $2,370-49.5% | $4,869-75.4% |
| Participant deferral / active EE | $2,927 | $4,212-30.5% | $3,550-17.5% | $5,287-44.6% |
| Admin fee / account holder | $1,387 | $8,717-84.1% | $5,586-75.2% | $10,133-86.3% |