Filed January 13, 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 | $35,062 | $45,566-23.1% | $64,105-45.3% | $59,633-41.2% |
| Participation rate | 43.2% | 60.2%-17.0pp | 68.2%-25.0pp | 68.7%-25.5pp |
| Annual return | -1.17% | 4.95%-6.1pp | 791.24%-792.4pp | 2041.45%-2042.6pp |
| Employer contribution / active EE | $1,061 | $934+13.6% | $1,820-41.7% | $2,203-51.8% |
| Participant deferral / active EE | $1,675 | $2,057-18.6% | $2,822-40.6% | $3,192-47.5% |
| Admin fee / account holder | $2,742 | $3,268-16.1% | $4,499-39.1% | $4,297-36.2% |