Filed April 24, 2025 (most recent of 5 filings on file)
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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 | $54,045 | $63,809-15.3% | $81,353-33.6% | $80,935-33.2% |
| Participation rate | 55.6% | 63.9%-8.3pp | 69.5%-14.0pp | 67.7%-12.1pp |
| Annual return | 26.52% | 16.37%+10.2pp | 24.82%+1.7pp | 35.66%-9.1pp |
| Employer contribution / active EE | $0 | $1,981-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,053 | $3,093-1.3% | $3,885-21.4% | $4,299-29.0% |
| Admin fee / account holder | $2,964 | $5,686-47.9% | $5,766-48.6% | $6,924-57.2% |