Filed February 22, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $30,832 | $42,383-27.3% | $76,518-59.7% | $64,173-52.0% |
| Participation rate | 20.0% | 58.1%-38.1pp | 68.0%-48.0pp | 69.6%-49.6pp |
| Annual return | -10.67% | -16.54%+5.9pp | -0.27%-10.4pp | 7.63%-18.3pp |
| Employer contribution / active EE | $468 | $1,563-70.1% | $2,647-82.3% | $2,381-80.4% |
| Participant deferral / active EE | $1,117 | $2,566-56.5% | $3,836-70.9% | $3,470-67.8% |
| Admin fee / account holder | $314 | $3,198-90.2% | $4,849-93.5% | $4,887-93.6% |