Filed December 5, 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.)
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 | $45,723 | $57,061-19.9% | $85,063-46.2% | $80,911-43.5% |
| Participation rate | 65.0% | 56.3%+8.7pp | 67.5%-2.5pp | 67.6%-2.6pp |
| Annual return | 16.50% | 21.66%-5.2pp | 66.54%-50.0pp | 35.63%-19.1pp |
| Employer contribution / active EE | $3,697 | $1,799+105.5% | $2,727+35.6% | $2,756+34.2% |
| Participant deferral / active EE | $6,212 | $3,110+99.7% | $4,523+37.4% | $4,297+44.6% |
| Admin fee / account holder | $1,681 | $4,986-66.3% | $6,155-72.7% | $6,935-75.8% |