Filed January 20, 2025
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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 | $64,515 | $81,870-21.2% | $119,622-46.1% | $68,486-5.8% |
| Participation rate | 78.8% | 71.9%+7.0pp | 79.3%-0.4pp | 67.9%+11.0pp |
| Annual return | -20.90% | -23.82%+2.9pp | -14.98%-5.9pp | -7.85%-13.0pp |
| Employer contribution / active EE | $1,684 | $2,692-37.4% | $4,232-60.2% | $2,597-35.1% |
| Participant deferral / active EE | $4,105 | $4,148-1.0% | $5,601-26.7% | $4,028+1.9% |
| Admin fee / account holder | $2,767 | $6,583-58.0% | $10,328-73.2% | $5,404-48.8% |