Filed January 19, 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,030 | $69,774-28.3% | $67,561-25.9% | $74,429-32.8% |
| Participation rate | 43.3% | 71.4%-28.1pp | 72.9%-29.6pp | 67.2%-24.0pp |
| Annual return | 19.30% | -40.53%+59.8pp | 3525.44%-3506.1pp | 1368.38%-1349.1pp |
| Employer contribution / active EE | $904 | $2,710-66.6% | $2,735-66.9% | $2,625-65.5% |
| Participant deferral / active EE | $3,173 | $3,636-12.7% | $4,003-20.7% | $4,348-27.0% |
| Admin fee / account holder | $572 | $890-35.7% | $4,006-85.7% | $1,944-70.6% |