Filed December 28, 2023
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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 | $20,786 | $107,421-80.6% | $182,262-88.6% | $94,015-77.9% |
| Participation rate | 98.6% | 77.8%+20.8pp | 84.2%+14.3pp | 70.8%+27.7pp |
| Annual return | 20.50% | 21.32%-0.8pp | 140.60%-120.1pp | 17.84%+2.7pp |
| Employer contribution / active EE | $1,531 | $3,448-55.6% | $5,046-69.7% | $2,790-45.1% |
| Participant deferral / active EE | $2,815 | $6,558-57.1% | $8,276-66.0% | $4,249-33.8% |
| Admin fee / account holder | $1,360 | $8,692-84.4% | $16,712-91.9% | $8,951-84.8% |