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 | $37,124 | $65,034-42.9% | $90,970-59.2% | $79,856-53.5% |
| Participation rate | 58.5% | 61.6%-3.1pp | 69.0%-10.5pp | 69.6%-11.2pp |
| Annual return | 20.68% | 30.45%-9.8pp | 134.60%-113.9pp | 31.71%-11.0pp |
| Employer contribution / active EE | $1,856 | $1,247+48.8% | $2,122-12.5% | $2,471-24.9% |
| Participant deferral / active EE | $1,013 | $2,512-59.7% | $3,373-70.0% | $3,741-72.9% |
| Admin fee / account holder | $860 | $4,536-81.0% | $5,961-85.6% | $5,306-83.8% |