Filed December 26, 2023 (most recent of 5 filings on file)
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $37,981 | $106,864-64.5% | $147,318-74.2% | $82,637-54.0% |
| Participation rate | 33.3% | 75.5%-42.2pp | 82.1%-48.7pp | 68.1%-34.7pp |
| Annual return | 15.90% | 27.49%-11.6pp | 70.43%-54.5pp | 53.51%-37.6pp |
| Employer contribution / active EE | $1,372 | $3,417-59.8% | $4,593-70.1% | $2,552-46.2% |
| Participant deferral / active EE | $2,241 | $6,496-65.5% | $7,906-71.7% | $4,126-45.7% |
| Admin fee / account holder | $14,733 | $8,415+75.1% | $13,708+7.5% | $7,339+100.8% |