Filed April 17, 2025
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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $46,276 | $138,386-66.6% | $184,260-74.9% | $80,935-42.8% |
| Participation rate | 72.7% | 83.9%-11.2pp | 86.8%-14.1pp | 67.7%+5.1pp |
| Annual return | 14.01% | 20.02%-6.0pp | 28.84%-14.8pp | 35.66%-21.6pp |
| Employer contribution / active EE | $1,133 | $4,851-76.6% | $6,427-82.4% | $2,757-58.9% |
| Participant deferral / active EE | $3,377 | $7,076-52.3% | $9,133-63.0% | $4,299-21.5% |
| Admin fee / account holder | $2,866 | $10,489-72.7% | $13,898-79.4% | $6,924-58.6% |