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 | $94,031+49.3% | $115,768+21.3% | $82,448+70.3% |
| Participation rate | 55.6% | 70.4%-14.9pp | 74.4%-18.8pp | 68.1%-12.5pp |
| Annual return | 12.91% | 20.61%-7.7pp | 100.46%-87.5pp | 41.64%-28.7pp |
| Employer contribution / active EE | $2,099 | $2,323-9.6% | $2,940-28.6% | $2,551-17.7% |
| Participant deferral / active EE | $3,656 | $3,972-8.0% | $4,917-25.6% | $4,139-11.7% |
| Admin fee / account holder | $20,261 | $10,249+97.7% | $12,439+62.9% | $7,234+180.1% |