Filed July 12, 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 | $140,375 | $97,648+43.8% | $121,663+15.4% | $87,485+60.5% |
| Participation rate | 55.6% | 70.5%-14.9pp | 74.5%-18.9pp | 68.9%-13.4pp |
| Annual return | 12.91% | 18.03%-5.1pp | 147.54%-134.6pp | 26.06%-13.1pp |
| Employer contribution / active EE | $2,099 | $2,300-8.7% | $3,020-30.5% | $2,596-19.1% |
| Participant deferral / active EE | $3,656 | $3,923-6.8% | $4,887-25.2% | $4,274-14.5% |
| Admin fee / account holder | $20,261 | $11,100+82.5% | $14,289+41.8% | $7,775+160.6% |