Filed May 2, 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 | $76,386 | $71,057+7.5% | $93,654-18.4% | $80,874-5.5% |
| Participation rate | 22.9% | 60.4%-37.5pp | 68.7%-45.9pp | 67.6%-44.8pp |
| Annual return | 11.80% | 11.26%+0.5pp | 133.34%-121.5pp | 35.62%-23.8pp |
| Employer contribution / active EE | $1,276 | $1,564-18.4% | $2,421-47.3% | $2,756-53.7% |
| Participant deferral / active EE | $2,120 | $4,034-47.4% | $4,413-51.9% | $4,297-50.7% |
| Admin fee / account holder | $664 | $6,944-90.4% | $8,282-92.0% | $6,935-90.4% |