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 | $88,186 | $45,119+95.5% | $85,126+3.6% | $74,429+18.5% |
| Participation rate | 9.4% | 49.4%-39.9pp | 67.5%-58.1pp | 67.2%-57.8pp |
| Annual return | 16.74% | 26.28%-9.5pp | 66.63%-49.9pp | 1368.38%-1351.6pp |
| Employer contribution / active EE | $434 | $1,460-70.3% | $2,731-84.1% | $2,625-83.5% |
| Participant deferral / active EE | $918 | $2,738-66.5% | $4,523-79.7% | $4,348-78.9% |
| Admin fee / account holder | $847 | $2,214-61.7% | $6,160-86.2% | $1,944-56.4% |