Filed December 28, 2023
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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 | $36,261 | $148,623-75.6% | $135,974-73.3% | $139,466-74.0% |
| Participation rate | 63.6% | 83.9%-20.2pp | 81.9%-18.3pp | 80.3%-16.7pp |
| Annual return | 19.68% | 79.30%-59.6pp | 68.30%-48.6pp | 373.66%-354.0pp |
| Employer contribution / active EE | $2,026 | $5,246-61.4% | $4,859-58.3% | $4,754-57.4% |
| Participant deferral / active EE | $2,660 | $8,103-67.2% | $7,760-65.7% | $6,712-60.4% |
| Admin fee / account holder | $884 | $12,406-92.9% | $10,767-91.8% | $11,409-92.3% |