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 | $81,358+3.9% | $155,556-45.6% | $80,959+4.5% |
| Participation rate | 36.5% | 66.3%-29.8pp | 78.2%-41.7pp | 67.7%-31.2pp |
| Annual return | 11.86% | 33.39%-21.5pp | 64.84%-53.0pp | 35.67%-23.8pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $924 | $3,455-73.3% | $5,631-83.6% | $4,300-78.5% |
| Admin fee / account holder | $7,353 | $7,994-8.0% | $15,885-53.7% | $6,925+6.2% |