Filed July 3, 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 | $67,002 | $102,422-34.6% | $147,117-54.5% | $80,959-17.2% |
| Participation rate | 62.4% | 75.9%-13.5pp | 82.2%-19.8pp | 67.7%-5.3pp |
| Annual return | 14.56% | 135.16%-120.6pp | 420.54%-406.0pp | 35.67%-21.1pp |
| Employer contribution / active EE | $3,974 | $3,717+6.9% | $4,932-19.4% | $2,757+44.1% |
| Participant deferral / active EE | $6,653 | $6,6520% | $8,065-17.5% | $4,300+54.7% |
| Admin fee / account holder | $1,623 | $7,953-79.6% | $12,993-87.5% | $6,925-76.6% |