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 | $52,519 | $58,264-9.9% | $86,605-39.4% | $71,476-26.5% |
| Participation rate | 43.8% | 65.0%-21.2pp | 71.7%-27.9pp | 67.9%-24.1pp |
| Annual return | 16.02% | 21.63%-5.6pp | 591.39%-575.4pp | 28.85%-12.8pp |
| Employer contribution / active EE | $1,146 | $2,574-55.5% | $3,023-62.1% | $2,589-55.7% |
| Participant deferral / active EE | $1,941 | $3,436-43.5% | $4,438-56.3% | $4,290-54.8% |
| Admin fee / account holder | $2,426 | $1,057+129.5% | $5,611-56.8% | $1,587+52.8% |