Filed March 14, 2025
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $12,178 | $75,832-83.9% | $147,617-91.8% | $59,633-79.6% |
| Participation rate | 91.7% | 71.6%+20.1pp | 84.6%+7.0pp | 68.7%+23.0pp |
| Annual return | -2.13% | 0.37%-2.5pp | 61.98%-64.1pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $524 | $3,485-85.0% | $5,564-90.6% | $2,203-76.2% |
| Participant deferral / active EE | $2,578 | $3,131-17.6% | $4,895-47.3% | $3,192-19.2% |
| Admin fee / account holder | $396 | $5,986-93.4% | $11,612-96.6% | $4,297-90.8% |