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 | $67,340 | $78,707-14.4% | $117,861-42.9% | $70,126-4.0% |
| Participation rate | 50.0% | 73.2%-23.2pp | 79.7%-29.7pp | 69.5%-19.5pp |
| Annual return | 19.38% | 23.30%-3.9pp | 335.11%-315.7pp | 73.15%-53.8pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,257 | $3,297-1.2% | $4,482-27.3% | $3,332-2.3% |
| Admin fee / account holder | $4,996 | $5,066-1.4% | $8,021-37.7% | $4,645+7.5% |