Filed March 18, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $39,804 | $67,411-41.0% | $91,004-56.3% | $70,126-43.2% |
| Participation rate | 24.3% | 71.4%-47.0pp | 75.6%-51.3pp | 69.5%-45.2pp |
| Annual return | 13.16% | -40.16%+53.3pp | 4.60%+8.6pp | 73.15%-60.0pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $958 | $2,823-66.1% | $3,548-73.0% | $3,332-71.2% |
| Admin fee / account holder | $1,264 | $4,236-70.2% | $5,417-76.7% | $4,645-72.8% |