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 | $54,357 | $65,566-17.1% | $86,235-37.0% | $75,177-27.7% |
| Participation rate | 40.8% | 60.5%-19.6pp | 69.0%-28.1pp | 67.2%-26.4pp |
| Annual return | 14.78% | 46.07%-31.3pp | 1170.03%-1155.3pp | 160.75%-146.0pp |
| Employer contribution / active EE | $790 | $1,553-49.2% | $2,381-66.8% | $2,671-70.4% |
| Participant deferral / active EE | $1,821 | $3,023-39.8% | $3,987-54.3% | $4,126-55.9% |
| Admin fee / account holder | $1,189 | $5,470-78.3% | $6,856-82.7% | $5,651-79.0% |