Filed July 24, 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 | $43,651 | $76,368-42.8% | $67,681-35.5% | $154,746-71.8% |
| Participation rate | 43.5% | 79.0%-35.5pp | 73.7%-30.3pp | 80.7%-37.2pp |
| Annual return | 17.35% | 1066.77%-1049.4pp | 590.58%-573.2pp | 172.34%-155.0pp |
| Employer contribution / active EE | $2,078 | $3,151-34.1% | $2,678-22.4% | $4,379-52.5% |
| Participant deferral / active EE | $4,028 | $4,824-16.5% | $3,976+1.3% | $6,730-40.2% |
| Admin fee / account holder | $6,264 | $8,559-26.8% | $6,100+2.7% | $14,365-56.4% |