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 | $227,096 | $133,998+69.5% | $112,263+102.3% | $134,545+68.8% |
| Participation rate | 66.7% | 78.6%-11.9pp | 75.1%-8.4pp | 81.2%-14.6pp |
| Annual return | 5.21% | 47.17%-42.0pp | 27.49%-22.3pp | 418.37%-413.2pp |
| Employer contribution / active EE | $1,607 | $4,040-60.2% | $3,636-55.8% | $4,742-66.1% |
| Participant deferral / active EE | $4,222 | $5,292-20.2% | $4,729-10.7% | $6,401-34.1% |
| Admin fee / account holder | $15,277 | $7,493+103.9% | $6,410+138.3% | $11,431+33.6% |