Filed October 30, 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 | $51,372 | $84,953-39.5% | $163,379-68.6% | $82,637-37.8% |
| Participation rate | 46.2% | 65.9%-19.8pp | 76.8%-30.7pp | 68.1%-21.9pp |
| Annual return | 15.93% | 23.07%-7.1pp | 63.41%-47.5pp | 53.51%-37.6pp |
| Employer contribution / active EE | $0 | $2,183-100.0% | $3,752-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,444 | $4,326-66.6% | $6,282-77.0% | $4,126-65.0% |
| Admin fee / account holder | $2,997 | $7,921-62.2% | $9,818-69.5% | $7,339-59.2% |