Filed November 22, 2024
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $7,972 | $52,678-84.9% | $75,784-89.5% | $59,633-86.6% |
| Participation rate | 83.7% | 67.2%+16.5pp | 75.8%+7.9pp | 68.7%+15.1pp |
| Annual return | -8.19% | 2.95%-11.1pp | 9.68%-17.9pp | 2041.40%-2049.6pp |
| Employer contribution / active EE | $1,360 | $2,193-38.0% | $3,323-59.1% | $2,203-38.3% |
| Participant deferral / active EE | $4,017 | $2,591+55.1% | $3,652+10.0% | $3,192+25.9% |
| Admin fee / account holder | $433 | $3,610-88.0% | $5,300-91.8% | $4,297-89.9% |