Filed April 30, 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 | $22,206 | $30,423-27.0% | $56,025-60.4% | $74,478-70.2% |
| Participation rate | 38.5% | 32.9%+5.6pp | 52.5%-14.0pp | 67.2%-28.7pp |
| Annual return | 31.56% | 24.97%+6.6pp | 1712.69%-1681.1pp | 1370.56%-1339.0pp |
| Employer contribution / active EE | $469 | $610-23.1% | $1,042-55.0% | $2,626-82.1% |
| Participant deferral / active EE | $1,944 | $1,176+65.3% | $1,955-0.5% | $4,350-55.3% |
| Admin fee / account holder | $2,395 | $2,363+1.4% | $2,828-15.3% | $1,946+23.1% |