Filed April 22, 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 | $34,706 | $36,767-5.6% | $81,473-57.4% | $62,293-44.3% |
| Participation rate | 13.6% | 54.4%-40.8pp | 68.0%-54.3pp | 69.5%-55.9pp |
| Annual return | 22.48% | 173.80%-151.3pp | 38.78%-16.3pp | 28.90%-6.4pp |
| Employer contribution / active EE | $339 | $1,128-70.0% | $2,568-86.8% | $2,042-83.4% |
| Participant deferral / active EE | $538 | $2,111-74.5% | $3,537-84.8% | $3,169-83.0% |
| Admin fee / account holder | $616 | $797-22.8% | $4,561-86.5% | $479+28.4% |