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 | $80,731-2.7% | $103,378-24.0% | $74,400+5.6% |
| Participation rate | 66.7% | 65.7%+1.0pp | 74.5%-7.8pp | 67.2%-0.5pp |
| Annual return | 23.33% | 27.56%-4.2pp | 24.91%-1.6pp | 1367.51%-1344.2pp |
| Employer contribution / active EE | $0 | $3,159-100.0% | $3,870-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $2,974 | $3,862-23.0% | $5,058-41.2% | $4,348-31.6% |
| Admin fee / account holder | $2,347 | $2,369-1.0% | $8,401-72.1% | $1,944+20.7% |