Filed January 17, 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 | $25,228 | $43,730-42.3% | $66,674-62.2% | $64,097-60.6% |
| Participation rate | 30.3% | 50.7%-20.5pp | 73.7%-43.4pp | 55.2%-24.9pp |
| Annual return | 13.42% | 53.62%-40.2pp | 321.24%-307.8pp | 34.64%-21.2pp |
| Employer contribution / active EE | $0 | $1,673-100.0% | $2,620-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,154 | $2,122+1.5% | $4,084-47.3% | $3,080-30.1% |
| Admin fee / account holder | $2,493 | $2,708-7.9% | $5,098-51.1% | $3,454-27.8% |