Filed December 16, 2024
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $16,599 | $165,399-90.0% | $149,745-88.9% | $158,982-89.6% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | 20.84% | 348.34%-327.5pp | 276.72%-255.9pp | 302.99%-282.2pp |
| Employer contribution / active EE | $1,142 | $5,105-77.6% | $4,646-75.4% | $4,763-76.0% |
| Participant deferral / active EE | $3,393 | $7,183-52.8% | $6,843-50.4% | $5,983-43.3% |
| Admin fee / account holder | $869 | $10,811-92.0% | $9,312-90.7% | $11,252-92.3% |