Filed February 28, 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $31,383 | $77,569-59.5% | $115,599-72.9% | $64,097-51.0% |
| Participation rate | 41.4% | 60.7%-19.3pp | 74.3%-32.9pp | 55.2%-13.8pp |
| Annual return | 18.17% | 18.52%-0.3pp | 111.10%-92.9pp | 34.64%-16.5pp |
| Employer contribution / active EE | $2,998 | $1,915+56.6% | $2,955+1.4% | $1,891+58.5% |
| Participant deferral / active EE | $1,619 | $3,327-51.3% | $4,889-66.9% | $3,080-47.4% |
| Admin fee / account holder | $6,625 | $4,470+48.2% | $12,841-48.4% | $3,454+91.8% |