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 | $106,524-80.5% | $152,301-86.4% | $87,485-76.2% |
| Participation rate | 98.6% | 75.8%+22.8pp | 82.4%+16.1pp | 68.9%+29.6pp |
| Annual return | 20.50% | 26.89%-6.4pp | 80.50%-60.0pp | 26.06%-5.6pp |
| Employer contribution / active EE | $1,531 | $3,371-54.6% | $4,624-66.9% | $2,596-41.0% |
| Participant deferral / active EE | $2,815 | $6,525-56.9% | $8,004-64.8% | $4,274-34.1% |
| Admin fee / account holder | $1,360 | $8,287-83.6% | $14,398-90.6% | $7,775-82.5% |