Filed January 20, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $68,787 | $91,559-24.9% | $133,978-48.7% | $79,856-13.9% |
| Participation rate | 57.1% | 73.3%-16.2pp | 79.8%-22.7pp | 69.6%-12.5pp |
| Annual return | 6.41% | 61.85%-55.4pp | 45.10%-38.7pp | 31.71%-25.3pp |
| Employer contribution / active EE | $2,023 | $2,384-15.1% | $3,919-48.4% | $2,471-18.1% |
| Participant deferral / active EE | $4,963 | $3,734+32.9% | $5,047-1.7% | $3,741+32.7% |
| Admin fee / account holder | $5,906 | $6,321-6.6% | $8,930-33.9% | $5,306+11.3% |