Filed January 23, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $60,373 | $71,230-15.2% | $93,727-35.6% | $80,959-25.4% |
| Participation rate | 39.7% | 60.4%-20.7pp | 68.7%-29.0pp | 67.7%-27.9pp |
| Annual return | 9.27% | 11.26%-2.0pp | 133.83%-124.6pp | 35.67%-26.4pp |
| Employer contribution / active EE | $714 | $1,565-54.4% | $2,421-70.5% | $2,757-74.1% |
| Participant deferral / active EE | $1,618 | $4,037-59.9% | $4,417-63.4% | $4,300-62.4% |
| Admin fee / account holder | $4,454 | $6,961-36.0% | $8,292-46.3% | $6,925-35.7% |