Filed January 19, 2024
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $25,735 | $209,425-87.7% | $178,499-85.6% | $158,966-83.8% |
| Participation rate | 92.9% | 86.4%+6.5pp | 81.9%+10.9pp | 82.0%+10.9pp |
| Annual return | 6.40% | 188.80%-182.4pp | 151.10%-144.7pp | 302.95%-296.5pp |
| Employer contribution / active EE | $2,318 | $5,707-59.4% | $5,011-53.7% | $4,762-51.3% |
| Participant deferral / active EE | $6,166 | $5,955+3.5% | $5,202+18.5% | $5,983+3.1% |
| Admin fee / account holder | $8,212 | $17,078-51.9% | $13,986-41.3% | $11,250-27.0% |