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 | $60,384 | $150,442-59.9% | $136,295-55.7% | $147,585-59.1% |
| Participation rate | 66.7% | 84.4%-17.8pp | 81.9%-15.3pp | 82.8%-16.2pp |
| Annual return | 15.93% | 1049.09%-1033.2pp | 5155.97%-5140.0pp | 578.56%-562.6pp |
| Employer contribution / active EE | $3,148 | $5,256-40.1% | $4,695-32.9% | $4,876-35.4% |
| Participant deferral / active EE | $5,060 | $6,630-23.7% | $6,247-19.0% | $5,439-7.0% |
| Admin fee / account holder | $3,574 | $10,905-67.2% | $9,243-61.3% | $10,885-67.2% |