Filed April 28, 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 | $101,003 | $114,119-11.5% | $107,187-5.8% | $138,895-27.3% |
| Participation rate | 53.3% | 78.1%-24.7pp | 75.0%-21.7pp | 79.9%-26.6pp |
| Annual return | 19.63% | 273.21%-253.6pp | 204.55%-184.9pp | 145.39%-125.8pp |
| Employer contribution / active EE | $3,286 | $4,059-19.0% | $3,782-13.1% | $4,194-21.7% |
| Participant deferral / active EE | $9,188 | $5,538+65.9% | $5,096+80.3% | $6,396+43.6% |
| Admin fee / account holder | $595 | $10,024-94.1% | $9,162-93.5% | $12,562-95.3% |