Filed March 27, 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 | $78,862 | $176,402-55.3% | $134,155-41.2% | $158,950-50.4% |
| Participation rate | 50.0% | 78.7%-28.7pp | 72.2%-22.2pp | 82.0%-32.0pp |
| Annual return | 17.07% | 63.66%-46.6pp | 36.34%-19.3pp | 302.91%-285.8pp |
| Employer contribution / active EE | $0 | $5,042-100.0% | $3,705-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $11,004 | $4,093+168.9% | $3,500+214.4% | $5,983+83.9% |
| Admin fee / account holder | $4,944 | $8,719-43.3% | $6,685-26.0% | $11,248-56.0% |