Filed April 29, 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 | $11,120 | $107,941-89.7% | $91,994-87.9% | $152,897-92.7% |
| Participation rate | 100.0% | 81.2%+18.8pp | 78.6%+21.4pp | 82.5%+17.5pp |
| Annual return | 43.98% | 89.28%-45.3pp | 69.04%-25.1pp | 345.43%-301.4pp |
| Employer contribution / active EE | $4,486 | $4,212+6.5% | $3,453+29.9% | $4,764-5.8% |
| Participant deferral / active EE | $5,584 | $6,366-12.3% | $5,924-5.7% | $5,851-4.6% |
| Admin fee / account holder | $2,145 | $10,521-79.6% | $7,744-72.3% | $11,599-81.5% |