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 | $106,864-62.4% | $147,318-72.7% | $82,637-51.4% |
| Participation rate | 50.6% | 75.5%-24.9pp | 82.1%-31.4pp | 68.1%-17.4pp |
| Annual return | 53.27% | 27.49%+25.8pp | 70.43%-17.2pp | 53.51%-0.2pp |
| Employer contribution / active EE | $2,392 | $3,417-30.0% | $4,593-47.9% | $2,552-6.3% |
| Participant deferral / active EE | $5,449 | $6,496-16.1% | $7,906-31.1% | $4,126+32.1% |
| Admin fee / account holder | $6,718 | $8,415-20.2% | $13,708-51.0% | $7,339-8.5% |