Filed March 28, 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 | $95,523 | $84,236+13.4% | $170,435-44.0% | $70,126+36.2% |
| Participation rate | 61.5% | 70.8%-9.3pp | 83.6%-22.1pp | 69.5%-8.0pp |
| Annual return | 21.13% | 23.06%-1.9pp | 205.94%-184.8pp | 73.15%-52.0pp |
| Employer contribution / active EE | $737 | $3,387-78.2% | $5,432-86.4% | $2,343-68.5% |
| Participant deferral / active EE | $3,819 | $3,086+23.8% | $4,939-22.7% | $3,332+14.6% |
| Admin fee / account holder | $12,046 | $5,698+111.4% | $13,881-13.2% | $4,645+159.3% |