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 | $45,573 | $38,365+18.8% | $84,623-46.1% | $65,185-30.1% |
| Participation rate | 33.7% | 55.7%-22.0pp | 68.2%-34.6pp | 70.2%-36.5pp |
| Annual return | 26.78% | 32.00%-5.2pp | 258.77%-232.0pp | 29.38%-2.6pp |
| Employer contribution / active EE | $1,078 | $1,258-14.3% | $2,652-59.4% | $2,177-50.5% |
| Participant deferral / active EE | $1,736 | $2,278-23.8% | $3,899-55.5% | $3,514-50.6% |
| Admin fee / account holder | $445 | $451-1.5% | $4,913-91.0% | $847-47.5% |