Filed January 2, 2024 (most recent of 5 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $75,609 | $106,749-29.2% | $145,433-48.0% | $82,448-8.3% |
| Participation rate | 52.2% | 75.6%-23.5pp | 82.1%-29.9pp | 68.1%-15.9pp |
| Annual return | 11.56% | 27.59%-16.0pp | 66.58%-55.0pp | 41.64%-30.1pp |
| Employer contribution / active EE | $1,279 | $3,444-62.9% | $4,554-71.9% | $2,551-49.9% |
| Participant deferral / active EE | $3,458 | $6,519-46.9% | $7,897-56.2% | $4,139-16.5% |
| Admin fee / account holder | $7,652 | $8,390-8.8% | $13,129-41.7% | $7,234+5.8% |