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 | $95,277 | $180,462-47.2% | $154,111-38.2% | $135,379-29.6% |
| Participation rate | 66.7% | 87.4%-20.8pp | 83.0%-16.4pp | 82.6%-16.0pp |
| Annual return | -5.97% | 888.17%-894.1pp | 735.18%-741.2pp | 519.79%-525.8pp |
| Employer contribution / active EE | $1,697 | $6,036-71.9% | $5,298-68.0% | $4,779-64.5% |
| Participant deferral / active EE | $10,708 | $5,806+84.4% | $5,081+110.8% | $5,609+90.9% |
| Admin fee / account holder | $1,087 | $16,145-93.3% | $13,411-91.9% | $10,828-90.0% |