Filed January 16, 2024 (most recent of 2 filings on file)
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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 | $19,928 | $45,900-56.6% | $94,057-78.8% | $64,340-69.0% |
| Participation rate | 37.3% | 50.6%-13.2pp | 73.3%-36.0pp | 55.2%-17.9pp |
| Annual return | 18.74% | 50.47%-31.7pp | 480.62%-461.9pp | 24.14%-5.4pp |
| Employer contribution / active EE | $593 | $1,612-63.2% | $2,933-79.8% | $1,862-68.2% |
| Participant deferral / active EE | $1,422 | $2,102-32.4% | $4,709-69.8% | $2,980-52.3% |
| Admin fee / account holder | $2,513 | $3,143-20.1% | $7,244-65.3% | $3,703-32.1% |