Filed January 22, 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 | $80,950 | $227,399-64.4% | $189,758-57.3% | $198,609-59.2% |
| Participation rate | 0.0% | 84.0%-84.0pp | 79.8%-79.8pp | 82.4%-82.4pp |
| Annual return | 20.24% | 61.03%-40.8pp | 52.62%-32.4pp | 202.70%-182.5pp |
| Employer contribution / active EE | $2,562 | $5,526-53.6% | $4,767-46.2% | $5,055-49.3% |
| Participant deferral / active EE | $7,920 | $6,837+15.8% | $5,856+35.2% | $6,977+13.5% |
| Admin fee / account holder | $5,723 | $25,162-77.3% | $20,388-71.9% | $19,030-69.9% |