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 | $76,407-25.5% | $150,298-62.1% | $82,448-30.9% |
| Participation rate | 59.1% | 66.4%-7.3pp | 77.8%-18.7pp | 68.1%-9.0pp |
| Annual return | 17.62% | 39.99%-22.4pp | 62.79%-45.2pp | 41.64%-24.0pp |
| Employer contribution / active EE | $1,628 | $2,614-37.7% | $4,154-60.8% | $2,551-36.2% |
| Participant deferral / active EE | $3,147 | $3,214-2.1% | $5,453-42.3% | $4,139-24.0% |
| Admin fee / account holder | $346 | $6,352-94.6% | $14,116-97.5% | $7,234-95.2% |