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 | $185,312-56.3% | $161,489-49.9% | $154,746-47.7% |
| Participation rate | 0.0% | 82.5%-82.5pp | 78.7%-78.7pp | 80.7%-80.7pp |
| Annual return | 20.24% | 103.84%-83.6pp | 89.72%-69.5pp | 172.34%-152.1pp |
| Employer contribution / active EE | $2,562 | $4,769-46.3% | $4,268-40.0% | $4,379-41.5% |
| Participant deferral / active EE | $7,920 | $6,350+24.7% | $5,630+40.7% | $6,730+17.7% |
| Admin fee / account holder | $5,723 | $18,654-69.3% | $16,006-64.2% | $14,365-60.2% |