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 | $35,752 | $64,729-44.8% | $112,263-68.2% | $68,490-47.8% |
| Participation rate | 53.1% | 67.2%-14.0pp | 75.1%-21.9pp | 67.9%-14.8pp |
| Annual return | -11.07% | -11.40%+0.3pp | 27.49%-38.6pp | -7.85%-3.2pp |
| Employer contribution / active EE | $2,043 | $2,746-25.6% | $3,636-43.8% | $2,597-21.3% |
| Participant deferral / active EE | $4,267 | $3,566+19.7% | $4,729-9.8% | $4,028+5.9% |
| Admin fee / account holder | $7,297 | $5,222+39.7% | $6,410+13.8% | $5,403+35.1% |