Filed January 17, 2024
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $78,543 | $80,763-2.7% | $102,412-23.3% | $74,459+5.5% |
| Participation rate | 66.7% | 65.7%+1.0pp | 74.5%-7.8pp | 67.2%-0.6pp |
| Annual return | 23.33% | 27.57%-4.2pp | 24.94%-1.6pp | 1369.70%-1346.4pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $3,870-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,974 | $3,862-23.0% | $5,060-41.2% | $4,350-31.6% |
| Admin fee / account holder | $2,347 | $2,371-1.0% | $8,388-72.0% | $1,945+20.7% |