Filed October 29, 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 | $46,056 | $81,457-43.5% | $103,378-55.4% | $80,911-43.1% |
| Participation rate | 40.7% | 66.8%-26.1pp | 74.5%-33.8pp | 67.6%-26.9pp |
| Annual return | 15.95% | 25.58%-9.6pp | 24.91%-9.0pp | 35.63%-19.7pp |
| Employer contribution / active EE | $1,171 | $3,107-62.3% | $3,870-69.7% | $2,756-57.5% |
| Participant deferral / active EE | $3,538 | $3,871-8.6% | $5,058-30.0% | $4,297-17.7% |
| Admin fee / account holder | $7,022 | $6,717+4.6% | $8,401-16.4% | $6,935+1.3% |