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 | $38,966 | $54,541-28.6% | $78,778-50.5% | $70,126-44.4% |
| Participation rate | 65.6% | 60.8%+4.8pp | 69.2%-3.6pp | 69.5%-4.0pp |
| Annual return | 14.81% | 21.07%-6.3pp | 35.62%-20.8pp | 73.15%-58.3pp |
| Employer contribution / active EE | $1,306 | $1,089+20.0% | $1,986-34.2% | $2,343-44.3% |
| Participant deferral / active EE | $2,272 | $2,210+2.8% | $2,958-23.2% | $3,332-31.8% |
| Admin fee / account holder | $1,310 | $3,709-64.7% | $5,134-74.5% | $4,645-71.8% |