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 | $55,446-42.8% | $155,574-79.6% | $74,429-57.4% |
| Participation rate | 45.4% | 61.9%-16.5pp | 78.2%-32.8pp | 67.2%-21.8pp |
| Annual return | 13.71% | 269.20%-255.5pp | 64.87%-51.2pp | 1368.38%-1354.7pp |
| Employer contribution / active EE | $1,600 | $2,266-29.4% | $4,676-65.8% | $2,625-39.1% |
| Participant deferral / active EE | $3,524 | $2,836+24.3% | $5,629-37.4% | $4,348-19.0% |
| Admin fee / account holder | $4,831 | $1,743+177.2% | $15,914-69.6% | $1,944+148.5% |