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 | $102,382-34.6% | $147,005-54.4% | $80,874-17.2% |
| Participation rate | 62.4% | 75.8%-13.5pp | 82.2%-19.8pp | 67.6%-5.3pp |
| Annual return | 14.56% | 134.89%-120.3pp | 418.76%-404.2pp | 35.62%-21.1pp |
| Employer contribution / active EE | $3,974 | $3,715+7.0% | $4,934-19.5% | $2,756+44.2% |
| Participant deferral / active EE | $6,653 | $6,646+0.1% | $8,070-17.6% | $4,297+54.8% |
| Admin fee / account holder | $1,623 | $7,942-79.6% | $13,006-87.5% | $6,935-76.6% |