Filed December 12, 2024 (most recent of 2 filings on file)
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,785 | $54,541-71.1% | $78,778-80.0% | $70,126-77.5% |
| Participation rate | 30.2% | 60.8%-30.6pp | 69.2%-39.0pp | 69.5%-39.3pp |
| Annual return | 27.66% | 21.07%+6.6pp | 35.62%-8.0pp | 73.15%-45.5pp |
| Employer contribution / active EE | $191 | $1,089-82.4% | $1,986-90.4% | $2,343-91.8% |
| Participant deferral / active EE | $1,294 | $2,210-41.4% | $2,958-56.2% | $3,332-61.2% |
| Admin fee / account holder | $453 | $3,709-87.8% | $5,134-91.2% | $4,645-90.3% |