Filed October 24, 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 | $39,049 | $160,070-75.6% | $147,117-73.5% | $145,897-73.2% |
| Participation rate | 68.8% | 84.0%-15.3pp | 82.2%-13.4pp | 80.3%-11.6pp |
| Annual return | 15.98% | 98.69%-82.7pp | 420.54%-404.6pp | 552.29%-536.3pp |
| Employer contribution / active EE | $3,675 | $5,285-30.4% | $4,932-25.5% | $4,663-21.2% |
| Participant deferral / active EE | $6,447 | $8,419-23.4% | $8,065-20.1% | $6,689-3.6% |
| Admin fee / account holder | $3,105 | $15,035-79.3% | $12,993-76.1% | $13,390-76.8% |