Filed March 19, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $104,145 | $102,385+1.7% | $147,080-29.2% | $80,935+28.7% |
| Participation rate | 37.5% | 75.9%-38.4pp | 82.2%-44.7pp | 67.7%-30.2pp |
| Annual return | -45.93% | 135.09%-181.0pp | 420.17%-466.1pp | 35.66%-81.6pp |
| Employer contribution / active EE | $5,432 | $3,717+46.1% | $4,933+10.1% | $2,757+97.0% |
| Participant deferral / active EE | $22,729 | $6,651+241.8% | $8,066+181.8% | $4,299+428.7% |
| Admin fee / account holder | $7,918 | $7,951-0.4% | $12,989-39.0% | $6,924+14.4% |