Filed November 22, 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.)
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 | $12,422 | $52,884-76.5% | $84,753-85.3% | $55,167-77.5% |
| Participation rate | 39.9% | 67.5%-27.7pp | 76.6%-36.7pp | 69.0%-29.1pp |
| Annual return | 15.69% | 18.03%-2.3pp | 22.78%-7.1pp | 169.23%-153.5pp |
| Employer contribution / active EE | $772 | $2,233-65.5% | $3,574-78.4% | $1,963-60.7% |
| Participant deferral / active EE | $2,131 | $2,644-19.4% | $3,712-42.6% | $3,054-30.2% |
| Admin fee / account holder | $1,071 | $581+84.4% | $5,333-79.9% | $504+112.5% |