Filed February 11, 2024
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
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 | $106,592 | $53,128+100.6% | $86,582+23.1% | $70,126+52.0% |
| Participation rate | 62.1% | 65.3%-3.2pp | 73.5%-11.5pp | 69.5%-7.5pp |
| Annual return | 14.30% | 27.66%-13.4pp | 965.08%-950.8pp | 73.15%-58.8pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $2,839-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $5,534 | $2,695+105.3% | $3,609+53.4% | $3,332+66.1% |
| Admin fee / account holder | $14,914 | $3,584+316.1% | $4,904+204.1% | $4,645+221.0% |