Filed November 10, 2023 (most recent of 3 filings on file)
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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 | $96,587 | $51,736+86.7% | $120,225-19.7% | $67,986+42.1% |
| Participation rate | 44.3% | 46.1%-1.8pp | 69.6%-25.3pp | 57.2%-12.9pp |
| Annual return | 14.89% | 31.98%-17.1pp | 439.23%-424.3pp | 31.67%-16.8pp |
| Employer contribution / active EE | $1,790 | $1,071+67.1% | $3,475-48.5% | $2,019-11.3% |
| Participant deferral / active EE | $3,586 | $2,206+62.6% | $3,999-10.3% | $3,358+6.8% |
| Admin fee / account holder | $3,170 | $4,159-23.8% | $5,696-44.3% | $3,203-1.0% |