Filed January 15, 2024
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,782 | $44,221-64.3% | $121,220-87.0% | $56,289-72.0% |
| Participation rate | 72.5% | 61.1%+11.5pp | 71.8%+0.8pp | 69.9%+2.7pp |
| Annual return | 41.86% | -3.58%+45.4pp | 16.94%+24.9pp | -9.96%+51.8pp |
| Employer contribution / active EE | $780 | $1,480-47.3% | $4,023-80.6% | $2,111-63.1% |
| Participant deferral / active EE | $1,145 | $2,521-54.6% | $3,345-65.8% | $3,350-65.8% |
| Admin fee / account holder | $998 | $480+107.7% | $5,021-80.1% | $521+91.5% |