Filed June 6, 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 | $31,692 | $55,472-42.9% | $155,567-79.6% | $74,546-57.5% |
| Participation rate | 45.4% | 61.9%-16.5pp | 78.2%-32.8pp | 67.2%-21.8pp |
| Annual return | 13.71% | 268.72%-255.0pp | 64.74%-51.0pp | 1366.03%-1352.3pp |
| Employer contribution / active EE | $1,600 | $2,269-29.5% | $4,674-65.8% | $2,624-39.1% |
| Participant deferral / active EE | $3,524 | $2,838+24.2% | $5,628-37.4% | $4,347-18.9% |
| Admin fee / account holder | $4,831 | $1,743+177.2% | $15,916-69.6% | $1,944+148.6% |