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 | $70,630 | $43,730+61.5% | $121,220-41.7% | $64,173+10.1% |
| Participation rate | 40.0% | 58.3%-18.3pp | 71.8%-31.8pp | 69.6%-29.6pp |
| Annual return | -7.18% | 68.94%-76.1pp | 16.94%-24.1pp | 7.63%-14.8pp |
| Employer contribution / active EE | $975 | $1,297-24.8% | $4,023-75.8% | $2,381-59.1% |
| Participant deferral / active EE | $2,845 | $2,281+24.7% | $3,345-15.0% | $3,470-18.0% |
| Admin fee / account holder | $25,183 | $3,502+619.0% | $5,021+401.6% | $4,887+415.3% |