Filed October 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 | $198,808 | $81,331+144.4% | $155,534+27.8% | $80,935+145.6% |
| Participation rate | 62.5% | 66.3%-3.8pp | 78.2%-15.7pp | 67.7%-5.2pp |
| Annual return | 15.62% | 33.37%-17.8pp | 64.92%-49.3pp | 35.66%-20.0pp |
| Employer contribution / active EE | $3,106 | $3,1050% | $4,675-33.6% | $2,757+12.7% |
| Participant deferral / active EE | $8,852 | $3,454+156.3% | $5,630+57.2% | $4,299+105.9% |
| Admin fee / account holder | $586 | $7,999-92.7% | $15,900-96.3% | $6,924-91.5% |