Filed November 9, 2023 (most recent of 2 filings on file)
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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 | $145,238 | $88,672+63.8% | $105,223+38.0% | $82,448+76.2% |
| Participation rate | 37.9% | 67.9%-30.0pp | 75.0%-37.2pp | 68.1%-30.2pp |
| Annual return | 14.21% | 30.86%-16.6pp | 180.65%-166.4pp | 41.64%-27.4pp |
| Employer contribution / active EE | $2,133 | $3,048-30.0% | $3,689-42.2% | $2,551-16.4% |
| Participant deferral / active EE | $4,968 | $4,036+23.1% | $5,072-2.0% | $4,139+20.0% |
| Admin fee / account holder | $6,967 | $7,146-2.5% | $8,859-21.4% | $7,234-3.7% |