Filed November 6, 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 | $27,467 | $54,370-49.5% | $82,763-66.8% | $68,490-59.9% |
| Participation rate | 67.1% | 63.9%+3.2pp | 72.6%-5.5pp | 67.9%-0.8pp |
| Annual return | -19.98% | -13.67%-6.3pp | 702.45%-722.4pp | -7.85%-12.1pp |
| Employer contribution / active EE | $2,026 | $2,219-8.7% | $3,008-32.7% | $2,597-22.0% |
| Participant deferral / active EE | $6,446 | $3,247+98.5% | $4,395+46.7% | $4,028+60.0% |
| Admin fee / account holder | $2,409 | $4,398-45.2% | $5,325-54.8% | $5,403-55.4% |