Filed April 22, 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,931 | $38,967+76.9% | $86,233-20.1% | $79,634-13.4% |
| Participation rate | 26.9% | 34.1%-7.1pp | 69.0%-42.1pp | 62.5%-35.6pp |
| Annual return | 18.01% | 49.90%-31.9pp | 61.39%-43.4pp | 36.46%-18.4pp |
| Employer contribution / active EE | $952 | $868+9.7% | $2,504-62.0% | $2,529-62.3% |
| Participant deferral / active EE | $1,526 | $1,663-8.2% | $4,559-66.5% | $3,835-60.2% |
| Admin fee / account holder | $1,402 | $2,660-47.3% | $8,342-83.2% | $1,002+39.9% |