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 | $42,426 | $73,978-42.7% | $96,515-56.0% | $75,173-43.6% |
| Participation rate | 59.4% | 66.4%-7.0pp | 74.3%-14.9pp | 67.2%-7.8pp |
| Annual return | 19.82% | 26.72%-6.9pp | 35.73%-15.9pp | 160.72%-140.9pp |
| Employer contribution / active EE | $2,225 | $2,931-24.1% | $3,740-40.5% | $2,671-16.7% |
| Participant deferral / active EE | $4,190 | $3,660+14.5% | $4,880-14.1% | $4,126+1.6% |
| Admin fee / account holder | $687 | $5,219-86.8% | $6,735-89.8% | $5,651-87.8% |