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 | $50,820-36.3% | $155,567-79.2% | $77,671-58.3% |
| Participation rate | 25.3% | 63.1%-37.8pp | 78.2%-52.9pp | 70.6%-45.2pp |
| Annual return | 12.77% | 34.85%-22.1pp | 64.74%-52.0pp | 31.21%-18.4pp |
| Employer contribution / active EE | $270 | $1,993-86.5% | $4,674-94.2% | $2,726-90.1% |
| Participant deferral / active EE | $1,420 | $2,823-49.7% | $5,628-74.8% | $4,648-69.4% |
| Admin fee / account holder | $764 | $436+75.2% | $15,916-95.2% | $430+77.4% |