Filed April 12, 2024
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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 | $125,002 | $136,860-8.7% | $120,344+3.9% | $154,746-19.2% |
| Participation rate | 66.7% | 79.9%-13.2pp | 76.7%-10.0pp | 80.7%-14.0pp |
| Annual return | 16.85% | 21.38%-4.5pp | 20.30%-3.4pp | 172.34%-155.5pp |
| Employer contribution / active EE | $2,279 | $3,533-35.5% | $3,020-24.6% | $4,379-48.0% |
| Participant deferral / active EE | $6,636 | $5,793+14.5% | $5,135+29.2% | $6,730-1.4% |
| Admin fee / account holder | $10,876 | $15,393-29.3% | $12,742-14.6% | $14,365-24.3% |