Filed November 8, 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 | $36,777 | $55,472-33.7% | $155,567-76.4% | $74,546-50.7% |
| Participation rate | 31.0% | 61.9%-30.9pp | 78.2%-47.2pp | 67.2%-36.2pp |
| Annual return | 13.98% | 268.72%-254.7pp | 64.74%-50.8pp | 1366.03%-1352.1pp |
| Employer contribution / active EE | $653 | $2,269-71.2% | $4,674-86.0% | $2,624-75.1% |
| Participant deferral / active EE | $1,609 | $2,838-43.3% | $5,628-71.4% | $4,347-63.0% |
| Admin fee / account holder | $1,439 | $1,743-17.4% | $15,916-91.0% | $1,944-26.0% |