Filed September 30, 2024
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $62,117 | $77,817-20.2% | $123,553-49.7% | $64,173-3.2% |
| Participation rate | 66.7% | 74.7%-8.0pp | 82.3%-15.6pp | 69.6%-2.9pp |
| Annual return | -7.66% | 12.49%-20.1pp | 119.21%-126.9pp | 7.63%-15.3pp |
| Employer contribution / active EE | $1,584 | $3,014-47.4% | $4,628-65.8% | $2,381-33.4% |
| Participant deferral / active EE | $3,492 | $5,240-33.4% | $6,426-45.7% | $3,470+0.6% |
| Admin fee / account holder | $1,736 | $5,519-68.5% | $9,284-81.3% | $4,887-64.5% |