Filed May 10, 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 | $95,608 | $78,682+21.5% | $109,188-12.4% | $85,851+11.4% |
| Participation rate | 66.7% | 68.3%-1.6pp | 75.9%-9.2pp | 69.3%-2.7pp |
| Annual return | 20.23% | 25.09%-4.9pp | 25.76%-5.5pp | 318.63%-298.4pp |
| Employer contribution / active EE | $6,612 | $2,734+141.9% | $3,723+77.6% | $2,565+157.7% |
| Participant deferral / active EE | $5,756 | $3,468+66.0% | $4,654+23.7% | $3,952+45.6% |
| Admin fee / account holder | $340 | $5,470-93.8% | $6,755-95.0% | $6,261-94.6% |