Filed June 26, 2024
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,133 | $46,360-71.7% | $147,617-91.1% | $52,331-74.9% |
| Participation rate | 55.8% | 64.9%-9.1pp | 84.6%-28.8pp | 68.1%-12.3pp |
| Annual return | -6.54% | 1.62%-8.2pp | 61.98%-68.5pp | 4.54%-11.1pp |
| Employer contribution / active EE | $596 | $2,126-72.0% | $5,564-89.3% | $1,882-68.3% |
| Participant deferral / active EE | $2,277 | $2,258+0.9% | $4,895-53.5% | $3,022-24.7% |
| Admin fee / account holder | $89 | $766-88.4% | $11,612-99.2% | $592-84.9% |