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 | $77,670-59.6% | $125,529-75.0% | $65,306-51.9% |
| Participation rate | 41.4% | 63.2%-21.8pp | 74.7%-33.3pp | 57.7%-16.3pp |
| Annual return | 18.17% | 15.16%+3.0pp | 202.56%-184.4pp | 21.94%-3.8pp |
| Employer contribution / active EE | $2,998 | $2,099+42.8% | $3,058-2.0% | $1,967+52.4% |
| Participant deferral / active EE | $1,619 | $3,095-47.7% | $4,813-66.4% | $2,959-45.3% |
| Admin fee / account holder | $6,625 | $3,598+84.2% | $16,298-59.3% | $3,480+90.4% |