Filed December 29, 2023
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $32,353 | $50,902-36.4% | $155,534-79.2% | $77,736-58.4% |
| Participation rate | 25.3% | 63.1%-37.7pp | 78.2%-52.9pp | 70.6%-45.2pp |
| Annual return | 12.77% | 34.85%-22.1pp | 64.92%-52.1pp | 31.26%-18.5pp |
| Employer contribution / active EE | $270 | $1,991-86.5% | $4,675-94.2% | $2,728-90.1% |
| Participant deferral / active EE | $1,420 | $2,824-49.7% | $5,630-74.8% | $4,651-69.5% |
| Admin fee / account holder | $764 | $437+74.7% | $15,900-95.2% | $433+76.2% |