Filed January 4, 2024
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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $32,298 | $57,140-43.5% | $85,240-62.1% | $80,959-60.1% |
| Participation rate | 88.1% | 56.4%+31.7pp | 67.5%+20.6pp | 67.7%+20.4pp |
| Annual return | 12.13% | 21.71%-9.6pp | 66.75%-54.6pp | 35.67%-23.5pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,081 | $3,115+127.3% | $4,527+56.4% | $4,300+64.7% |
| Admin fee / account holder | $6,493 | $4,992+30.1% | $6,165+5.3% | $6,925-6.2% |