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.)
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 | $196,283 | $78,670+149.5% | $109,173+79.8% | $85,847+128.6% |
| Participation rate | 69.2% | 68.3%+1.0pp | 75.9%-6.6pp | 69.3%-0.1pp |
| Annual return | 33.40% | 25.09%+8.3pp | 25.75%+7.6pp | 318.61%-285.2pp |
| Employer contribution / active EE | $1,491 | $2,734-45.5% | $3,723-59.9% | $2,565-41.9% |
| Participant deferral / active EE | $4,548 | $3,467+31.2% | $4,654-2.3% | $3,952+15.1% |
| Admin fee / account holder | $1,038 | $5,469-81.0% | $6,755-84.6% | $6,261-83.4% |