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 | $74,075 | $41,377+79.0% | $109,313-32.2% | $62,881+17.8% |
| Participation rate | 63.2% | 57.5%+5.6pp | 71.3%-8.1pp | 69.3%-6.1pp |
| Annual return | 16.32% | 11.05%+5.3pp | 22.07%-5.8pp | 20.14%-3.8pp |
| Employer contribution / active EE | $1,288 | $1,276+0.9% | $3,892-66.9% | $2,281-43.5% |
| Participant deferral / active EE | $4,432 | $2,045+116.7% | $3,166+40.0% | $3,203+38.4% |
| Admin fee / account holder | $22,533 | $2,884+681.3% | $5,666+297.7% | $4,296+424.6% |