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 | $36,715 | $106,905-65.7% | $84,020-56.3% | $152,885-76.0% |
| Participation rate | 47.6% | 75.2%-27.6pp | 69.0%-21.4pp | 82.5%-34.8pp |
| Annual return | 19.82% | 105.00%-85.2pp | 71.31%-51.5pp | 345.39%-325.6pp |
| Employer contribution / active EE | $1,266 | $2,735-53.7% | $1,984-36.2% | $4,763-73.4% |
| Participant deferral / active EE | $2,477 | $4,012-38.3% | $3,239-23.5% | $5,851-57.7% |
| Admin fee / account holder | $9,118 | $8,287+10.0% | $6,101+49.4% | $11,598-21.4% |