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 | $39,210 | $35,183+11.4% | $73,545-46.7% | $70,124-44.1% |
| Participation rate | 29.7% | 42.9%-13.2pp | 54.9%-25.2pp | 69.5%-39.8pp |
| Annual return | 15.32% | 26.90%-11.6pp | -15.16%+30.5pp | 73.14%-57.8pp |
| Employer contribution / active EE | $235 | $709-66.8% | $1,219-80.7% | $2,342-90.0% |
| Participant deferral / active EE | $1,500 | $1,220+23.0% | $1,806-16.9% | $3,332-55.0% |
| Admin fee / account holder | $2,584 | $2,302+12.2% | $2,320+11.4% | $4,645-44.4% |