Filed December 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.)
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 | $18,575 | $81,358-77.2% | $155,556-88.1% | $80,959-77.1% |
| Participation rate | 42.3% | 66.3%-24.0pp | 78.2%-35.9pp | 67.7%-25.4pp |
| Annual return | 11.81% | 33.39%-21.6pp | 64.84%-53.0pp | 35.67%-23.9pp |
| Employer contribution / active EE | $441 | $3,106-85.8% | $4,675-90.6% | $2,757-84.0% |
| Participant deferral / active EE | $2,116 | $3,455-38.8% | $5,631-62.4% | $4,300-50.8% |
| Admin fee / account holder | $629 | $7,994-92.1% | $15,885-96.0% | $6,925-90.9% |