Filed June 4, 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 | $69,286 | $47,105+47.1% | $68,368+1.3% | $67,986+1.9% |
| Participation rate | 41.9% | 51.8%-9.9pp | 73.8%-31.8pp | 57.2%-15.3pp |
| Annual return | 15.53% | 48.37%-32.8pp | 292.57%-277.0pp | 31.67%-16.1pp |
| Employer contribution / active EE | $1,057 | $1,859-43.1% | $2,649-60.1% | $2,019-47.7% |
| Participant deferral / active EE | $2,258 | $2,374-4.9% | $4,123-45.2% | $3,358-32.8% |
| Admin fee / account holder | $2,504 | $2,435+2.8% | $5,150-51.4% | $3,203-21.8% |