Filed December 23, 2024
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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 | $69,071 | $99,345-30.5% | $84,753-18.5% | $273,972-74.8% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 6.62% | 22.93%-16.3pp | 22.78%-16.2pp | 41.46%-34.8pp |
| Employer contribution / active EE | $500 | $4,214-88.1% | $3,574-86.0% | $4,869-89.7% |
| Participant deferral / active EE | $3,136 | $4,270-26.6% | $3,712-15.5% | $5,287-40.7% |
| Admin fee / account holder | $355 | $6,645-94.7% | $5,333-93.3% | $10,133-96.5% |