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 | $97,125+42.3% | $86,233+60.3% | $137,256+0.7% |
| Participation rate | 52.6% | 74.2%-21.6pp | 69.0%-16.4pp | 80.0%-27.3pp |
| Annual return | 17.26% | 74.19%-56.9pp | 61.39%-44.1pp | 220.34%-203.1pp |
| Employer contribution / active EE | $1,067 | $2,841-62.4% | $2,504-57.4% | $4,156-74.3% |
| Participant deferral / active EE | $3,000 | $5,180-42.1% | $4,559-34.2% | $6,407-53.2% |
| Admin fee / account holder | $8,823 | $9,725-9.3% | $8,342+5.8% | $12,270-28.1% |