Filed February 17, 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 | $24,297 | $58,828-58.7% | $78,002-68.9% | $62,881-61.4% |
| Participation rate | 68.0% | 71.1%-3.1pp | 75.5%-7.5pp | 69.3%-1.3pp |
| Annual return | 6.59% | 17.16%-10.6pp | 425.99%-419.4pp | 20.14%-13.6pp |
| Employer contribution / active EE | $1,382 | $1,672-17.3% | $2,470-44.1% | $2,281-39.4% |
| Participant deferral / active EE | $3,124 | $2,686+16.3% | $3,497-10.7% | $3,203-2.5% |
| Admin fee / account holder | $514 | $4,393-88.3% | $5,481-90.6% | $4,296-88.0% |