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 | $147,984 | $755,339-80.4% | $379,746-61.0% | $158,966-6.9% |
| Participation rate | 58.3% | 81.8%-23.4pp | 78.4%-20.1pp | 82.0%-23.6pp |
| Annual return | 10.83% | 53.41%-42.6pp | 34.90%-24.1pp | 302.95%-292.1pp |
| Employer contribution / active EE | $2,365 | $4,685-49.5% | $3,540-33.2% | $4,762-50.3% |
| Participant deferral / active EE | $8,793 | $7,938+10.8% | $6,024+46.0% | $5,983+47.0% |
| Admin fee / account holder | $25,740 | $14,482+77.7% | $7,927+224.7% | $11,250+128.8% |