Filed December 31, 2024
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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 | $137,216 | $85,766+60.0% | $136,297+0.7% | $70,131+95.7% |
| Participation rate | 58.0% | 74.2%-16.2pp | 81.9%-24.0pp | 69.5%-11.6pp |
| Annual return | 15.99% | 31.45%-15.5pp | 5156.16%-5140.2pp | 73.14%-57.1pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $8,017 | $5,051+58.7% | $6,247+28.3% | $3,332+140.6% |
| Admin fee / account holder | $10,569 | $5,420+95.0% | $9,244+14.3% | $4,645+127.5% |