Filed April 23, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $33,537 | $183,539-81.7% | $155,556-78.4% | $145,897-77.0% |
| Participation rate | 68.8% | 82.7%-14.0pp | 78.2%-9.5pp | 80.3%-11.6pp |
| Annual return | 10.54% | 61.31%-50.8pp | 64.84%-54.3pp | 552.29%-541.7pp |
| Employer contribution / active EE | $0 | $5,315-100.0% | $4,675-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $11,272 | $6,467+74.3% | $5,631+100.2% | $6,689+68.5% |
| Admin fee / account holder | $21,755 | $19,275+12.9% | $15,885+37.0% | $13,390+62.5% |