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 | $108,919 | $85,171+27.9% | $172,753-37.0% | $72,976+49.3% |
| Participation rate | 55.9% | 70.1%-14.2pp | 82.6%-26.8pp | 69.5%-13.6pp |
| Annual return | 25.31% | 27.32%-2.0pp | 803.00%-777.7pp | 81.02%-55.7pp |
| Employer contribution / active EE | $1,667 | $3,324-49.8% | $5,144-67.6% | $2,440-31.7% |
| Participant deferral / active EE | $4,442 | $3,260+36.2% | $5,198-14.5% | $3,608+23.1% |
| Admin fee / account holder | $710 | $5,880-87.9% | $13,956-94.9% | $5,124-86.2% |