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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,132 | $33,067+12.3% | $76,518-51.5% | $56,287-34.0% |
| Participation rate | 24.6% | 55.4%-30.8pp | 68.0%-43.4pp | 69.9%-45.3pp |
| Annual return | 0.54% | 2.72%-2.2pp | -0.27%+0.8pp | -9.96%+10.5pp |
| Employer contribution / active EE | $560 | $1,200-53.4% | $2,647-78.9% | $2,111-73.5% |
| Participant deferral / active EE | $938 | $2,240-58.1% | $3,836-75.5% | $3,350-72.0% |
| Admin fee / account holder | $413 | $537-23.1% | $4,849-91.5% | $521-20.7% |