Filed November 11, 2024 (most recent of 5 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.)
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 | $84,570 | $81,233+4.1% | $155,567-45.6% | $80,874+4.6% |
| Participation rate | 36.5% | 66.2%-29.7pp | 78.2%-41.7pp | 67.6%-31.1pp |
| Annual return | 11.86% | 33.33%-21.5pp | 64.74%-52.9pp | 35.62%-23.8pp |
| Employer contribution / active EE | $0 | $3,101-100.0% | $4,674-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $924 | $3,452-73.2% | $5,628-83.6% | $4,297-78.5% |
| Admin fee / account holder | $7,353 | $7,998-8.1% | $15,916-53.8% | $6,935+6.0% |