Filed December 12, 2023 (most recent of 3 filings on file)
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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 | $31,408 | $48,078-34.7% | $78,676-60.1% | $62,881-50.1% |
| Participation rate | 53.2% | 65.2%-12.0pp | 73.6%-20.3pp | 69.3%-16.1pp |
| Annual return | 11.15% | 31.36%-20.2pp | 62.19%-51.0pp | 20.14%-9.0pp |
| Employer contribution / active EE | $1,983 | $2,015-1.6% | $2,850-30.4% | $2,281-13.1% |
| Participant deferral / active EE | $3,504 | $2,587+35.4% | $3,517-0.4% | $3,203+9.4% |
| Admin fee / account holder | $1,102 | $3,206-65.6% | $4,510-75.6% | $4,296-74.4% |