Filed October 18, 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 | $56,034 | $78,672-28.8% | $109,163-48.7% | $85,856-34.7% |
| Participation rate | 57.4% | 68.3%-10.9pp | 75.9%-18.5pp | 69.3%-11.9pp |
| Annual return | 13.84% | 25.09%-11.3pp | 25.75%-11.9pp | 318.58%-304.7pp |
| Employer contribution / active EE | $2,434 | $2,734-11.0% | $3,723-34.6% | $2,565-5.1% |
| Participant deferral / active EE | $4,376 | $3,467+26.2% | $4,654-6.0% | $3,952+10.7% |
| Admin fee / account holder | $2,150 | $5,470-60.7% | $6,754-68.2% | $6,261-65.7% |