Filed April 30, 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 | $34,010 | $30,732+10.7% | $59,496-42.8% | $59,633-43.0% |
| Participation rate | 28.3% | 43.2%-14.9pp | 54.6%-26.3pp | 68.7%-40.4pp |
| Annual return | -2.95% | 4.47%-7.4pp | 182.05%-185.0pp | 2041.40%-2044.3pp |
| Employer contribution / active EE | $185 | $631-70.6% | $1,153-83.9% | $2,203-91.6% |
| Participant deferral / active EE | $1,241 | $1,183+4.9% | $1,829-32.2% | $3,192-61.1% |
| Admin fee / account holder | $389 | $2,136-81.8% | $2,232-82.6% | $4,297-91.0% |