Filed December 31, 2024
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $121,968 | $72,177+69.0% | $115,038+6.0% | $59,633+104.5% |
| Participation rate | 60.8% | 72.6%-11.8pp | 81.4%-20.6pp | 68.7%-7.9pp |
| Annual return | -4.11% | 12.02%-16.1pp | 26.14%-30.3pp | 2041.45%-2045.6pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $7,499 | $4,783+56.8% | $6,026+24.4% | $3,192+135.0% |
| Admin fee / account holder | $6,241 | $4,927+26.7% | $8,175-23.7% | $4,297+45.2% |