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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $58,213 | $60,504-3.8% | $81,882-28.9% | $74,478-21.8% |
| Participation rate | 40.0% | 62.9%-22.9pp | 72.4%-32.4pp | 67.2%-27.2pp |
| Annual return | 11.36% | 16.91%-5.6pp | 779.47%-768.1pp | 1370.56%-1359.2pp |
| Employer contribution / active EE | $943 | $2,627-64.1% | $2,916-67.7% | $2,626-64.1% |
| Participant deferral / active EE | $1,762 | $3,400-48.2% | $4,323-59.2% | $4,350-59.5% |
| Admin fee / account holder | $7,630 | $1,492+411.4% | $7,360+3.7% | $1,946+292.1% |