Filed April 2, 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 | $107,264 | $45,312+136.7% | $86,233+24.4% | $67,986+57.8% |
| Participation rate | 10.7% | 42.4%-31.7pp | 69.0%-58.3pp | 57.2%-46.5pp |
| Annual return | 17.85% | 24.79%-6.9pp | 61.39%-43.5pp | 31.67%-13.8pp |
| Employer contribution / active EE | $387 | $1,160-66.7% | $2,504-84.6% | $2,019-80.9% |
| Participant deferral / active EE | $847 | $2,185-61.2% | $4,559-81.4% | $3,358-74.8% |
| Admin fee / account holder | $315 | $3,295-90.4% | $8,342-96.2% | $3,203-90.2% |