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 | $24,055 | $45,872-47.6% | $77,081-68.8% | $68,495-64.9% |
| Participation rate | 67.9% | 55.9%+12.0pp | 67.9%0pp | 67.9%0pp |
| Annual return | -17.86% | 1.73%-19.6pp | 42.33%-60.2pp | -7.84%-10.0pp |
| Employer contribution / active EE | $3,035 | $1,650+84.0% | $2,813+7.9% | $2,596+16.9% |
| Participant deferral / active EE | $5,633 | $2,963+90.1% | $4,428+27.2% | $4,028+39.9% |
| Admin fee / account holder | $906 | $3,041-70.2% | $5,427-83.3% | $5,403-83.2% |