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 | $161,301 | $107,368+50.2% | $92,915+73.6% | $152,909+5.5% |
| Participation rate | 43.8% | 79.8%-36.0pp | 76.0%-32.3pp | 82.5%-38.7pp |
| Annual return | 17.29% | 145.64%-128.4pp | 109.45%-92.2pp | 345.46%-328.2pp |
| Employer contribution / active EE | $0 | $4,222-100.0% | $3,653-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,237 | $4,848-33.2% | $4,238-23.6% | $5,851-44.7% |
| Admin fee / account holder | $29,969 | $7,082+323.2% | $5,796+417.1% | $11,601+158.3% |