Filed December 18, 2023
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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 | $105,259 | $57,352+83.5% | $83,831+25.6% | $64,173+64.0% |
| Participation rate | 64.3% | 68.6%-4.3pp | 76.1%-11.9pp | 69.6%-5.3pp |
| Annual return | -1.89% | 11.38%-13.3pp | 850.99%-852.9pp | 7.63%-9.5pp |
| Employer contribution / active EE | $1,765 | $2,546-30.7% | $3,631-51.4% | $2,381-25.9% |
| Participant deferral / active EE | $6,636 | $2,993+121.7% | $4,082+62.6% | $3,470+91.3% |
| Admin fee / account holder | $986 | $4,046-75.6% | $5,479-82.0% | $4,887-79.8% |