Filed July 26, 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 | $44,928 | $50,643-11.3% | $106,619-57.9% | $55,167-18.6% |
| Participation rate | 55.9% | 65.6%-9.6pp | 78.0%-22.1pp | 69.0%-13.0pp |
| Annual return | 7.95% | 7.02%+0.9pp | 9.42%-1.5pp | 169.23%-161.3pp |
| Employer contribution / active EE | $1,380 | $1,626-15.1% | $3,947-65.0% | $1,963-29.7% |
| Participant deferral / active EE | $2,563 | $2,208+16.1% | $3,930-34.8% | $3,054-16.1% |
| Admin fee / account holder | $1,401 | $488+187.2% | $6,418-78.2% | $504+178.1% |