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 | $55,437-22.1% | $155,534-72.2% | $74,459-42.0% |
| Participation rate | 69.6% | 61.9%+7.7pp | 78.2%-8.7pp | 67.2%+2.3pp |
| Annual return | 28.78% | 269.58%-240.8pp | 64.92%-36.1pp | 1369.70%-1340.9pp |
| Employer contribution / active EE | $1,832 | $2,266-19.2% | $4,675-60.8% | $2,626-30.2% |
| Participant deferral / active EE | $2,681 | $2,837-5.5% | $5,630-52.4% | $4,350-38.4% |
| Admin fee / account holder | $8,860 | $1,742+408.5% | $15,900-44.3% | $1,945+355.6% |