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 | $35,077 | $78,670-55.4% | $109,173-67.9% | $85,847-59.1% |
| Participation rate | 62.1% | 68.3%-6.2pp | 75.9%-13.8pp | 69.3%-7.3pp |
| Annual return | 32.37% | 25.09%+7.3pp | 25.75%+6.6pp | 318.61%-286.2pp |
| Employer contribution / active EE | $2,542 | $2,734-7.0% | $3,723-31.7% | $2,565-0.9% |
| Participant deferral / active EE | $4,290 | $3,467+23.7% | $4,654-7.8% | $3,952+8.5% |
| Admin fee / account holder | $350 | $5,469-93.6% | $6,755-94.8% | $6,261-94.4% |