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 | $70,739 | $98,776-28.4% | $149,745-52.8% | $79,856-11.4% |
| Participation rate | 69.0% | 75.8%-6.7pp | 82.5%-13.4pp | 69.6%-0.6pp |
| Annual return | 14.30% | 27.38%-13.1pp | 276.72%-262.4pp | 31.71%-17.4pp |
| Employer contribution / active EE | $4,325 | $3,217+34.4% | $4,646-6.9% | $2,471+75.0% |
| Participant deferral / active EE | $6,450 | $5,681+13.5% | $6,843-5.7% | $3,741+72.4% |
| Admin fee / account holder | $3,567 | $6,053-41.1% | $9,312-61.7% | $5,306-32.8% |