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 | $34,348 | $102,429-66.5% | $147,096-76.6% | $80,925-57.6% |
| Participation rate | 47.0% | 75.9%-28.9pp | 82.2%-35.2pp | 67.7%-20.7pp |
| Annual return | 11.95% | 135.02%-123.1pp | 419.75%-407.8pp | 35.65%-23.7pp |
| Employer contribution / active EE | $1,986 | $3,716-46.6% | $4,936-59.8% | $2,756-28.0% |
| Participant deferral / active EE | $4,001 | $6,649-39.8% | $8,071-50.4% | $4,299-6.9% |
| Admin fee / account holder | $9,253 | $7,957+16.3% | $13,005-28.9% | $6,940+33.3% |