Filed June 18, 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 | $51,914 | $80,781-35.7% | $102,437-49.3% | $74,478-30.3% |
| Participation rate | 41.7% | 65.7%-24.0pp | 74.5%-32.8pp | 67.2%-25.6pp |
| Annual return | 25.55% | 27.58%-2.0pp | 24.95%+0.6pp | 1370.56%-1345.0pp |
| Employer contribution / active EE | $1,556 | $3,160-50.8% | $3,871-59.8% | $2,626-40.8% |
| Participant deferral / active EE | $2,927 | $3,862-24.2% | $5,060-42.2% | $4,350-32.7% |
| Admin fee / account holder | $3,140 | $2,372+32.4% | $8,388-62.6% | $1,946+61.4% |