Filed November 15, 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 | $40,167 | $106,749-62.4% | $145,433-72.4% | $82,448-51.3% |
| Participation rate | 50.6% | 75.6%-25.0pp | 82.1%-31.5pp | 68.1%-17.4pp |
| Annual return | 53.27% | 27.59%+25.7pp | 66.58%-13.3pp | 41.64%+11.6pp |
| Employer contribution / active EE | $2,392 | $3,444-30.5% | $4,554-47.5% | $2,551-6.2% |
| Participant deferral / active EE | $5,449 | $6,519-16.4% | $7,897-31.0% | $4,139+31.7% |
| Admin fee / account holder | $6,718 | $8,390-19.9% | $13,129-48.8% | $7,234-7.1% |