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 | $64,697 | $72,404-10.6% | $110,243-41.3% | $64,173+0.8% |
| Participation rate | 50.8% | 73.3%-22.5pp | 79.8%-29.0pp | 69.6%-18.7pp |
| Annual return | -6.16% | -6.29%+0.1pp | 314.76%-320.9pp | 7.63%-13.8pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,696 | $3,469+6.5% | $4,672-20.9% | $3,470+6.5% |
| Admin fee / account holder | $2,320 | $5,664-59.0% | $8,548-72.9% | $4,887-52.5% |