Filed December 31, 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 | $121,948 | $76,551+59.3% | $123,894-1.6% | $62,881+93.9% |
| Participation rate | 61.4% | 73.0%-11.6pp | 81.4%-20.0pp | 69.3%-7.9pp |
| Annual return | 4.93% | 18.68%-13.7pp | 47.52%-42.6pp | 20.14%-15.2pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $7,954 | $4,840+64.3% | $5,984+32.9% | $3,203+148.3% |
| Admin fee / account holder | $1,485 | $4,826-69.2% | $8,357-82.2% | $4,296-65.4% |