Filed December 21, 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 | $43,190 | $55,423-22.1% | $155,602-72.2% | $74,400-41.9% |
| Participation rate | 69.6% | 61.9%+7.7pp | 78.2%-8.6pp | 67.2%+2.4pp |
| Annual return | 28.78% | 269.07%-240.3pp | 64.81%-36.0pp | 1367.51%-1338.7pp |
| Employer contribution / active EE | $1,832 | $2,266-19.2% | $4,675-60.8% | $2,624-30.2% |
| Participant deferral / active EE | $2,681 | $2,835-5.4% | $5,629-52.4% | $4,348-38.3% |
| Admin fee / account holder | $8,860 | $1,744+407.9% | $15,923-44.4% | $1,944+355.8% |