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 | $63,952 | $49,199+30.0% | $121,204-47.2% | $75,173-14.9% |
| Participation rate | 48.5% | 55.4%-6.9pp | 69.5%-21.0pp | 67.2%-18.7pp |
| Annual return | 18.62% | 56.04%-37.4pp | 987.18%-968.6pp | 160.72%-142.1pp |
| Employer contribution / active EE | $1,530 | $1,547-1.1% | $4,170-63.3% | $2,671-42.7% |
| Participant deferral / active EE | $3,493 | $2,630+32.8% | $4,083-14.5% | $4,126-15.4% |
| Admin fee / account holder | $4,112 | $3,946+4.2% | $5,651-27.2% | $5,651-27.2% |