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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $36,163 | $48,337-25.2% | $67,560-46.5% | $80,959-55.3% |
| Participation rate | 35.5% | 66.4%-30.9pp | 72.9%-37.4pp | 67.7%-32.2pp |
| Annual return | 10.20% | 18.26%-8.1pp | 3533.50%-3523.3pp | 35.67%-25.5pp |
| Employer contribution / active EE | $1,272 | $2,023-37.1% | $2,737-53.5% | $2,757-53.9% |
| Participant deferral / active EE | $2,074 | $2,928-29.2% | $4,004-48.2% | $4,300-51.8% |
| Admin fee / account holder | $2,908 | $3,695-21.3% | $3,994-27.2% | $6,925-58.0% |