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 | $47,104 | $77,901-39.5% | $149,717-68.5% | $75,181-37.3% |
| Participation rate | 51.7% | 65.6%-13.9pp | 78.8%-27.1pp | 67.2%-15.5pp |
| Annual return | 17.19% | 31.73%-14.5pp | 134.41%-117.2pp | 160.69%-143.5pp |
| Employer contribution / active EE | $1,312 | $3,137-58.2% | $4,820-72.8% | $2,671-50.9% |
| Participant deferral / active EE | $2,248 | $3,411-34.1% | $5,682-60.4% | $4,126-45.5% |
| Admin fee / account holder | $559 | $5,949-90.6% | $13,213-95.8% | $5,650-90.1% |