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 | $106,749-80.5% | $145,433-85.7% | $82,448-74.8% |
| Participation rate | 98.6% | 75.6%+22.9pp | 82.1%+16.4pp | 68.1%+30.5pp |
| Annual return | 20.50% | 27.59%-7.1pp | 66.58%-46.1pp | 41.64%-21.1pp |
| Employer contribution / active EE | $1,531 | $3,444-55.5% | $4,554-66.4% | $2,551-40.0% |
| Participant deferral / active EE | $2,815 | $6,519-56.8% | $7,897-64.4% | $4,139-32.0% |
| Admin fee / account holder | $1,360 | $8,390-83.8% | $13,129-89.6% | $7,234-81.2% |