Filed December 19, 2024
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $17,389 | $217,432-92.0% | $185,849-90.6% | $167,536-89.6% |
| Participation rate | 22.2% | 86.1%-63.8pp | 81.7%-59.5pp | 82.1%-59.9pp |
| Annual return | 21.99% | 148.42%-126.4pp | 122.10%-100.1pp | 478.82%-456.8pp |
| Employer contribution / active EE | $0 | $5,875-100.0% | $5,169-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $2,061 | $6,357-67.6% | $5,569-63.0% | $6,342-67.5% |
| Admin fee / account holder | $469 | $19,818-97.6% | $16,244-97.1% | $12,315-96.2% |