Filed November 18, 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 | $66,726 | $52,353+27.5% | $120,225-44.5% | $82,448-19.1% |
| Participation rate | 55.6% | 58.3%-2.8pp | 69.6%-14.0pp | 68.1%-12.5pp |
| Annual return | 9.08% | 61.85%-52.8pp | 439.23%-430.2pp | 41.64%-32.6pp |
| Employer contribution / active EE | $2,102 | $1,510+39.2% | $3,475-39.5% | $2,551-17.6% |
| Participant deferral / active EE | $5,734 | $2,627+118.3% | $3,999+43.4% | $4,139+38.5% |
| Admin fee / account holder | $1,375 | $4,363-68.5% | $5,696-75.9% | $7,234-81.0% |