Filed November 14, 2023
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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 | $41,415 | $64,324-35.6% | $118,946-65.2% | $79,858-48.1% |
| Participation rate | 59.8% | 64.9%-5.1pp | 75.4%-15.6pp | 69.6%-9.9pp |
| Annual return | 21.50% | 86.45%-64.9pp | 35.89%-14.4pp | 31.72%-10.2pp |
| Employer contribution / active EE | $3,051 | $1,836+66.2% | $3,263-6.5% | $2,471+23.5% |
| Participant deferral / active EE | $5,126 | $2,824+81.5% | $4,266+20.2% | $3,740+37.1% |
| Admin fee / account holder | $5,125 | $4,040+26.9% | $6,581-22.1% | $5,306-3.4% |