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 | $41,314 | $73,848-44.1% | $143,799-71.3% | $68,486-39.7% |
| Participation rate | 50.9% | 66.7%-15.7pp | 80.3%-29.4pp | 67.9%-17.0pp |
| Annual return | -14.99% | 0.91%-15.9pp | -0.04%-14.9pp | -7.85%-7.1pp |
| Employer contribution / active EE | $1,213 | $3,184-61.9% | $4,952-75.5% | $2,597-53.3% |
| Participant deferral / active EE | $2,064 | $3,385-39.0% | $5,638-63.4% | $4,028-48.7% |
| Admin fee / account holder | $1,475 | $5,755-74.4% | $14,677-89.9% | $5,404-72.7% |