Filed November 7, 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $17,296 | $80,674-78.6% | $119,126-85.5% | $64,340-73.1% |
| Participation rate | 35.1% | 55.2%-20.1pp | 75.8%-40.7pp | 55.2%-20.2pp |
| Annual return | 55.43% | 26.86%+28.6pp | 282.11%-226.7pp | 24.14%+31.3pp |
| Employer contribution / active EE | $1,066 | $2,564-58.4% | $4,034-73.6% | $1,862-42.7% |
| Participant deferral / active EE | $1,786 | $3,053-41.5% | $5,318-66.4% | $2,980-40.1% |
| Admin fee / account holder | $3,943 | $4,559-13.5% | $10,693-63.1% | $3,703+6.5% |