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.)
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 | $53,690 | $70,430-23.8% | $96,572-44.4% | $85,851-37.5% |
| Participation rate | 41.4% | 61.8%-20.4pp | 69.8%-28.4pp | 69.3%-27.9pp |
| Annual return | 16.04% | 18.58%-2.5pp | 37.79%-21.7pp | 318.63%-302.6pp |
| Employer contribution / active EE | $872 | $1,413-38.3% | $2,357-63.0% | $2,565-66.0% |
| Participant deferral / active EE | $1,958 | $2,894-32.3% | $3,850-49.1% | $3,952-50.5% |
| Admin fee / account holder | $3,761 | $4,996-24.7% | $6,183-39.2% | $6,261-39.9% |