Filed March 14, 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 | $39,029 | $85,766-54.5% | $136,298-71.4% | $70,126-44.3% |
| Participation rate | 49.4% | 74.2%-24.8pp | 81.9%-32.6pp | 69.5%-20.2pp |
| Annual return | 18.92% | 31.46%-12.5pp | 5156.27%-5137.3pp | 73.15%-54.2pp |
| Employer contribution / active EE | $1,421 | $2,966-52.1% | $4,696-69.7% | $2,343-39.4% |
| Participant deferral / active EE | $4,729 | $5,051-6.4% | $6,247-24.3% | $3,332+41.9% |
| Admin fee / account holder | $686 | $5,421-87.3% | $9,244-92.6% | $4,645-85.2% |