Filed May 20, 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 | $63,592 | $58,726+8.3% | $142,898-55.5% | $85,847-25.9% |
| Participation rate | 50.0% | 58.5%-8.5pp | 72.0%-22.0pp | 69.3%-19.3pp |
| Annual return | 13.35% | 27.73%-14.4pp | 5639.64%-5626.3pp | 318.61%-305.3pp |
| Employer contribution / active EE | $1,489 | $1,424+4.6% | $4,146-64.1% | $2,565-42.0% |
| Participant deferral / active EE | $3,159 | $2,609+21.1% | $3,838-17.7% | $3,952-20.1% |
| Admin fee / account holder | $4,691 | $4,234+10.8% | $6,560-28.5% | $6,261-25.1% |