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 | $52,581+83.7% | $130,788-26.2% | $64,340+50.1% |
| Participation rate | 44.3% | 46.5%-2.3pp | 70.1%-25.8pp | 55.2%-11.0pp |
| Annual return | 14.89% | 20.39%-5.5pp | 386.44%-371.5pp | 24.14%-9.2pp |
| Employer contribution / active EE | $1,790 | $1,031+73.6% | $3,558-49.7% | $1,862-3.9% |
| Participant deferral / active EE | $3,586 | $2,200+63.0% | $4,137-13.3% | $2,980+20.3% |
| Admin fee / account holder | $3,170 | $4,583-30.8% | $6,673-52.5% | $3,703-14.4% |