Filed April 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $15,188 | $97,732-84.5% | $83,831-81.9% | $135,380-88.8% |
| Participation rate | 69.6% | 80.0%-10.4pp | 76.1%-6.6pp | 82.6%-13.1pp |
| Annual return | -13.85% | 1287.56%-1301.4pp | 850.99%-864.8pp | 519.81%-533.7pp |
| Employer contribution / active EE | $1,432 | $4,222-66.1% | $3,631-60.6% | $4,779-70.0% |
| Participant deferral / active EE | $4,203 | $4,683-10.2% | $4,082+3.0% | $5,609-25.1% |
| Admin fee / account holder | $815 | $6,675-87.8% | $5,479-85.1% | $10,828-92.5% |