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.)
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 | $37,782 | $57,330-34.1% | $86,656-56.4% | $75,177-49.7% |
| Participation rate | 63.6% | 63.2%+0.4pp | 71.7%-8.1pp | 67.2%-3.6pp |
| Annual return | 28.50% | 2675.40%-2646.9pp | 593.09%-564.6pp | 160.75%-132.3pp |
| Employer contribution / active EE | $2,165 | $2,316-6.5% | $3,025-28.4% | $2,671-18.9% |
| Participant deferral / active EE | $7,273 | $3,320+119.1% | $4,439+63.8% | $4,126+76.3% |
| Admin fee / account holder | $3,160 | $4,115-23.2% | $5,619-43.8% | $5,651-44.1% |