Filed October 25, 2023 (most recent of 3 filings on file)
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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 | $54,644 | $45,082+21.2% | $69,464-21.3% | $72,975-25.1% |
| Participation rate | 64.0% | 68.5%-4.5pp | 74.6%-10.6pp | 69.5%-5.5pp |
| Annual return | 15.97% | 22.66%-6.7pp | 28.98%-13.0pp | 81.01%-65.0pp |
| Employer contribution / active EE | $2,730 | $2,055+32.8% | $2,779-1.8% | $2,440+11.9% |
| Participant deferral / active EE | $3,461 | $2,604+32.9% | $3,536-2.1% | $3,608-4.1% |
| Admin fee / account holder | $4,078 | $3,057+33.4% | $3,840+6.2% | $5,124-20.4% |