Filed July 2, 2024
Total covered: 4 employees
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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 | $46,132 | $46,877-1.6% | $122,354-62.3% | $70,126-34.2% |
| Participation rate | 52.0% | 58.2%-6.2pp | 71.6%-19.6pp | 69.5%-17.5pp |
| Annual return | 22.56% | 24.22%-1.7pp | 30.28%-7.7pp | 73.15%-50.6pp |
| Employer contribution / active EE | $803 | $1,288-37.7% | $4,051-80.2% | $2,343-65.7% |
| Participant deferral / active EE | $1,912 | $2,167-11.8% | $3,287-41.8% | $3,332-42.6% |
| Admin fee / account holder | $1,524 | $3,324-54.2% | $5,479-72.2% | $4,645-67.2% |