Filed March 6, 2025
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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 | $130,255 | $81,446+59.9% | $103,374+26.0% | $80,874+61.1% |
| Participation rate | 50.0% | 66.9%-16.9pp | 74.5%-24.5pp | 67.6%-17.6pp |
| Annual return | 20.23% | 25.57%-5.3pp | 24.89%-4.7pp | 35.62%-15.4pp |
| Employer contribution / active EE | $1,270 | $3,107-59.1% | $3,869-67.2% | $2,756-53.9% |
| Participant deferral / active EE | $6,432 | $3,870+66.2% | $5,058+27.2% | $4,297+49.7% |
| Admin fee / account holder | $2,064 | $6,715-69.3% | $8,394-75.4% | $6,935-70.2% |