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 | $83,369-79.3% | $105,223-83.6% | $67,986-74.6% |
| Participation rate | 35.1% | 56.3%-21.2pp | 75.0%-40.0pp | 57.2%-22.1pp |
| Annual return | 55.43% | 24.64%+30.8pp | 180.65%-125.2pp | 31.67%+23.8pp |
| Employer contribution / active EE | $1,066 | $2,541-58.0% | $3,689-71.1% | $2,019-47.2% |
| Participant deferral / active EE | $1,786 | $3,295-45.8% | $5,072-64.8% | $3,358-46.8% |
| Admin fee / account holder | $3,943 | $4,073-3.2% | $8,859-55.5% | $3,203+23.1% |