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).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $280,749 | $78,670+256.9% | $109,173+157.2% | $85,847+227.0% |
| Participation rate | 31.9% | 68.3%-36.4pp | 75.9%-44.0pp | 69.3%-37.4pp |
| Annual return | 149.18% | 25.09%+124.1pp | 25.75%+123.4pp | 318.61%-169.4pp |
| Employer contribution / active EE | $2,617 | $2,734-4.3% | $3,723-29.7% | $2,565+2.0% |
| Participant deferral / active EE | $3,534 | $3,467+1.9% | $4,654-24.1% | $3,952-10.6% |
| Admin fee / account holder | $30,881 | $5,469+464.6% | $6,755+357.2% | $6,261+393.2% |