Filed April 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 | $138,236 | $108,882+27.0% | $96,754+42.9% | $154,746-10.7% |
| Participation rate | 52.6% | 75.1%-22.4pp | 70.3%-17.6pp | 80.7%-28.1pp |
| Annual return | 17.26% | 98.39%-81.1pp | 82.04%-64.8pp | 172.34%-155.1pp |
| Employer contribution / active EE | $1,067 | $3,018-64.6% | $2,679-60.2% | $4,379-75.6% |
| Participant deferral / active EE | $3,000 | $5,323-43.6% | $4,758-37.0% | $6,730-55.4% |
| Admin fee / account holder | $8,823 | $10,200-13.5% | $8,905-0.9% | $14,365-38.6% |