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 | $24,078 | $72,273-66.7% | $101,275-76.2% | $79,856-69.8% |
| Participation rate | 56.1% | 68.5%-12.3pp | 75.8%-19.7pp | 69.6%-13.5pp |
| Annual return | 27.41% | 22.30%+5.1pp | 46.48%-19.1pp | 31.71%-4.3pp |
| Employer contribution / active EE | $1,705 | $2,691-36.7% | $3,660-53.4% | $2,471-31.0% |
| Participant deferral / active EE | $3,236 | $3,282-1.4% | $4,371-26.0% | $3,741-13.5% |
| Admin fee / account holder | $2,990 | $4,401-32.1% | $5,948-49.7% | $5,306-43.6% |