Filed December 5, 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.)
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 | $56,950 | $86,050-33.8% | $189,758-70.0% | $94,015-39.4% |
| Participation rate | 59.1% | 68.9%-9.8pp | 79.8%-20.7pp | 70.8%-11.7pp |
| Annual return | 17.62% | 17.77%-0.2pp | 52.62%-35.0pp | 17.84%-0.2pp |
| Employer contribution / active EE | $1,628 | $2,819-42.2% | $4,767-65.8% | $2,790-41.6% |
| Participant deferral / active EE | $3,147 | $3,349-6.0% | $5,856-46.3% | $4,249-25.9% |
| Admin fee / account holder | $346 | $6,627-94.8% | $20,388-98.3% | $8,951-96.1% |