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 | $102,429+1.7% | $147,096-29.2% | $80,925+28.7% |
| Participation rate | 37.5% | 75.9%-38.4pp | 82.2%-44.7pp | 67.7%-30.2pp |
| Annual return | -45.93% | 135.02%-181.0pp | 419.75%-465.7pp | 35.65%-81.6pp |
| Employer contribution / active EE | $5,432 | $3,716+46.2% | $4,936+10.1% | $2,756+97.1% |
| Participant deferral / active EE | $22,729 | $6,649+241.9% | $8,071+181.6% | $4,299+428.8% |
| Admin fee / account holder | $7,918 | $7,957-0.5% | $13,005-39.1% | $6,940+14.1% |