Filed January 8, 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.)
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 | $10,684 | $103,000-89.6% | $90,300-88.2% | $152,885-93.0% |
| Participation rate | 69.6% | 75.9%-6.3pp | 73.3%-3.7pp | 82.5%-12.9pp |
| Annual return | 43.75% | 95.19%-51.4pp | 78.11%-34.4pp | 345.39%-301.6pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $2,854-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $5,172 | $4,281+20.8% | $3,884+33.1% | $5,851-11.6% |
| Admin fee / account holder | $561 | $6,173-90.9% | $5,353-89.5% | $11,598-95.2% |