Filed February 10, 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 | $68,017 | $43,075+57.9% | $74,577-8.8% | $62,881+8.2% |
| Participation rate | 64.0% | 58.1%+5.9pp | 68.1%-4.1pp | 69.3%-5.3pp |
| Annual return | 8.16% | 17.50%-9.3pp | 20.47%-12.3pp | 20.14%-12.0pp |
| Employer contribution / active EE | $1,784 | $1,498+19.1% | $2,525-29.3% | $2,281-21.8% |
| Participant deferral / active EE | $4,649 | $2,389+94.6% | $3,458+34.4% | $3,203+45.2% |
| Admin fee / account holder | $2,730 | $2,840-3.9% | $4,138-34.0% | $4,296-36.5% |