Filed January 10, 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 | $59,833 | $42,383+41.2% | $76,518-21.8% | $64,173-6.8% |
| Participation rate | 57.7% | 58.1%-0.5pp | 68.0%-10.3pp | 69.6%-11.9pp |
| Annual return | -4.67% | -16.54%+11.9pp | -0.27%-4.4pp | 7.63%-12.3pp |
| Employer contribution / active EE | $1,659 | $1,563+6.2% | $2,647-37.3% | $2,381-30.3% |
| Participant deferral / active EE | $3,057 | $2,566+19.1% | $3,836-20.3% | $3,470-11.9% |
| Admin fee / account holder | $27,055 | $3,198+746.0% | $4,849+458.0% | $4,887+453.6% |