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 | $59,123 | $93,617-36.8% | $135,982-56.5% | $75,177-21.4% |
| Participation rate | 57.1% | 75.2%-18.1pp | 81.9%-24.8pp | 67.2%-10.1pp |
| Annual return | 17.97% | 30.89%-12.9pp | 68.32%-50.4pp | 160.75%-142.8pp |
| Employer contribution / active EE | $3,571 | $3,538+0.9% | $4,859-26.5% | $2,671+33.7% |
| Participant deferral / active EE | $5,280 | $6,406-17.6% | $7,760-32.0% | $4,126+28.0% |
| Admin fee / account holder | $8,431 | $6,980+20.8% | $10,767-21.7% | $5,651+49.2% |