Filed December 4, 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 | $57,486 | $134,001-57.1% | $112,258-48.8% | $134,509-57.3% |
| Participation rate | 42.1% | 78.6%-36.5pp | 75.1%-33.0pp | 81.2%-39.1pp |
| Annual return | -19.74% | 47.15%-66.9pp | 27.47%-47.2pp | 418.13%-437.9pp |
| Employer contribution / active EE | $1,298 | $4,039-67.9% | $3,636-64.3% | $4,741-72.6% |
| Participant deferral / active EE | $2,652 | $5,291-49.9% | $4,728-43.9% | $6,400-58.6% |
| Admin fee / account holder | $8,364 | $7,491+11.7% | $6,411+30.5% | $11,427-26.8% |