Filed May 6, 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.)
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 | $211,238 | $106,008+99.3% | $92,240+129.0% | $147,586+43.1% |
| Participation rate | 52.6% | 80.4%-27.8pp | 76.5%-23.9pp | 82.8%-30.2pp |
| Annual return | 12.42% | 50.05%-37.6pp | 176.29%-163.9pp | 578.59%-566.2pp |
| Employer contribution / active EE | $0 | $4,333-100.0% | $3,680-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $4,006 | $4,478-10.6% | $3,897+2.8% | $5,439-26.3% |
| Admin fee / account holder | $1,657 | $6,333-73.8% | $5,194-68.1% | $10,886-84.8% |