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 | $62,753 | $43,133+45.5% | $89,414-29.8% | $73,493-14.6% |
| Participation rate | 15.1% | 55.0%-39.8pp | 68.0%-52.8pp | 70.7%-55.5pp |
| Annual return | 22.63% | 135.66%-113.0pp | 245.50%-222.9pp | 28.51%-5.9pp |
| Employer contribution / active EE | $669 | $1,438-53.5% | $2,586-74.1% | $2,270-70.5% |
| Participant deferral / active EE | $1,134 | $2,445-53.6% | $3,890-70.9% | $3,740-69.7% |
| Admin fee / account holder | $812 | $444+83.1% | $4,883-83.4% | $513+58.3% |