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 | $15,119 | $176,120-91.4% | $159,487-90.5% | $167,553-91.0% |
| Participation rate | 95.0% | 85.0%+10.0pp | 82.8%+12.2pp | 82.1%+12.9pp |
| Annual return | 21.16% | 331.95%-310.8pp | 263.71%-242.5pp | 478.89%-457.7pp |
| Employer contribution / active EE | $2,130 | $5,299-59.8% | $4,831-55.9% | $4,840-56.0% |
| Participant deferral / active EE | $5,223 | $7,752-32.6% | $7,354-29.0% | $6,343-17.6% |
| Admin fee / account holder | $558 | $12,561-95.6% | $10,804-94.8% | $12,316-95.5% |