Filed January 17, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $12,475 | $54,357-77.0% | $82,706-84.9% | $68,495-81.8% |
| Participation rate | 19.0% | 63.9%-44.9pp | 72.6%-53.5pp | 67.9%-48.8pp |
| Annual return | 116.85% | -13.67%+130.5pp | 701.76%-584.9pp | -7.84%+124.7pp |
| Employer contribution / active EE | $0 | $2,218-100.0% | $3,007-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $515 | $3,246-84.1% | $4,394-88.3% | $4,028-87.2% |
| Admin fee / account holder | $689 | $4,396-84.3% | $5,329-87.1% | $5,403-87.2% |