Filed January 23, 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 | $27,272 | $58,493-53.4% | $84,023-67.5% | $72,976-62.6% |
| Participation rate | 53.2% | 61.2%-8.0pp | 69.0%-15.8pp | 69.5%-16.3pp |
| Annual return | 0.00% | 28.93%-28.9pp | 71.32%-71.3pp | 81.02%-81.0pp |
| Employer contribution / active EE | $297 | $1,163-74.5% | $1,984-85.0% | $2,440-87.8% |
| Participant deferral / active EE | $727 | $2,394-69.6% | $3,239-77.6% | $3,608-79.8% |
| Admin fee / account holder | $336 | $4,569-92.6% | $6,102-94.5% | $5,124-93.4% |