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.)
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 | $84,820 | $39,162+116.6% | $100,671-15.7% | $59,633+42.2% |
| Participation rate | 57.5% | 55.9%+1.6pp | 70.7%-13.2pp | 68.7%-11.2pp |
| Annual return | 4.38% | 21.07%-16.7pp | 20.43%-16.0pp | 2041.45%-2037.1pp |
| Employer contribution / active EE | $1,248 | $1,151+8.5% | $4,012-68.9% | $2,203-43.3% |
| Participant deferral / active EE | $3,987 | $1,992+100.2% | $3,144+26.8% | $3,192+24.9% |
| Admin fee / account holder | $14,031 | $2,969+372.5% | $4,850+189.3% | $4,297+226.5% |