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 | $73,764 | $181,896-59.4% | $156,551-52.9% | $273,972-73.1% |
| Participation rate | 68.8% | 88.4%-19.6pp | 84.0%-15.3pp | 83.0%-14.3pp |
| Annual return | 29.77% | 30.74%-1.0pp | 32.23%-2.5pp | 41.46%-11.7pp |
| Employer contribution / active EE | $3,519 | $6,248-43.7% | $5,501-36.0% | $4,869-27.7% |
| Participant deferral / active EE | $7,778 | $5,550+40.1% | $4,871+59.7% | $5,287+47.1% |
| Admin fee / account holder | $35,707 | $15,560+129.5% | $13,028+174.1% | $10,133+252.4% |