Filed January 20, 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 | $51,793 | $65,704-21.2% | $94,229-45.0% | $59,633-13.1% |
| Participation rate | 46.2% | 72.1%-26.0pp | 78.8%-32.6pp | 68.7%-22.5pp |
| Annual return | 1.62% | 5.22%-3.6pp | 10.68%-9.1pp | 2041.45%-2039.8pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,961 | $3,143-5.8% | $4,320-31.5% | $3,192-7.2% |
| Admin fee / account holder | $5,424 | $4,265+27.2% | $6,269-13.5% | $4,297+26.2% |