Filed July 23, 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 | $37,879 | $60,504-37.4% | $81,882-53.7% | $74,478-49.1% |
| Participation rate | 42.3% | 62.9%-20.6pp | 72.4%-30.1pp | 67.2%-24.9pp |
| Annual return | 10.35% | 16.91%-6.6pp | 779.47%-769.1pp | 1370.56%-1360.2pp |
| Employer contribution / active EE | $628 | $2,627-76.1% | $2,916-78.5% | $2,626-76.1% |
| Participant deferral / active EE | $1,647 | $3,400-51.6% | $4,323-61.9% | $4,350-62.1% |
| Admin fee / account holder | $2,383 | $1,492+59.7% | $7,360-67.6% | $1,946+22.5% |