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 | $30,028 | $69,248-56.6% | $64,101-53.2% | $139,466-78.5% |
| Participation rate | 38.1% | 75.6%-37.5pp | 72.3%-34.2pp | 80.3%-42.2pp |
| Annual return | 48.37% | 45.95%+2.4pp | 33.72%+14.7pp | 373.66%-325.3pp |
| Employer contribution / active EE | $1,917 | $3,185-39.8% | $2,749-30.3% | $4,754-59.7% |
| Participant deferral / active EE | $3,430 | $4,682-26.7% | $3,881-11.6% | $6,712-48.9% |
| Admin fee / account holder | $407 | $4,247-90.4% | $3,070-86.7% | $11,409-96.4% |