Filed May 12, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $51,604 | $76,551-32.6% | $123,894-58.3% | $62,881-17.9% |
| Participation rate | 37.1% | 73.0%-35.9pp | 81.4%-44.3pp | 69.3%-32.2pp |
| Annual return | 7.25% | 18.68%-11.4pp | 47.52%-40.3pp | 20.14%-12.9pp |
| Employer contribution / active EE | $1,397 | $2,882-51.5% | $4,617-69.7% | $2,281-38.8% |
| Participant deferral / active EE | $1,873 | $4,840-61.3% | $5,984-68.7% | $3,203-41.5% |
| Admin fee / account holder | $2,214 | $4,826-54.1% | $8,357-73.5% | $4,296-48.5% |