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 | $144,571 | $72,273+100.0% | $101,275+42.8% | $79,856+81.0% |
| Participation rate | 67.4% | 68.5%-1.1pp | 75.8%-8.4pp | 69.6%-2.2pp |
| Annual return | 23.32% | 22.30%+1.0pp | 46.48%-23.2pp | 31.71%-8.4pp |
| Employer contribution / active EE | $2,798 | $2,691+4.0% | $3,660-23.6% | $2,471+13.2% |
| Participant deferral / active EE | $7,219 | $3,282+120.0% | $4,371+65.2% | $3,741+93.0% |
| Admin fee / account holder | $9,652 | $4,401+119.3% | $5,948+62.3% | $5,306+81.9% |