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 | $34,663 | $93,589-63.0% | $135,942-74.5% | $75,181-53.9% |
| Participation rate | 56.1% | 75.2%-19.1pp | 81.9%-25.8pp | 67.2%-11.1pp |
| Annual return | 42.09% | 30.90%+11.2pp | 68.28%-26.2pp | 160.69%-118.6pp |
| Employer contribution / active EE | $2,262 | $3,537-36.1% | $4,858-53.4% | $2,671-15.3% |
| Participant deferral / active EE | $4,439 | $6,405-30.7% | $7,759-42.8% | $4,126+7.6% |
| Admin fee / account holder | $3,145 | $6,977-54.9% | $10,764-70.8% | $5,650-44.3% |