Filed May 16, 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 | $65,973 | $99,633-33.8% | $183,328-64.0% | $82,448-20.0% |
| Participation rate | 66.7% | 70.8%-4.1pp | 77.3%-10.7pp | 68.1%-1.4pp |
| Annual return | 18.43% | 17.84%+0.6pp | 29.67%-11.2pp | 41.64%-23.2pp |
| Employer contribution / active EE | $2,765 | $3,256-15.1% | $5,055-45.3% | $2,551+8.4% |
| Participant deferral / active EE | $7,823 | $4,938+58.4% | $6,795+15.1% | $4,139+89.0% |
| Admin fee / account holder | $3,174 | $9,934-68.0% | $21,427-85.2% | $7,234-56.1% |