Filed May 19, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $8,243 | $57,590-85.7% | $86,233-90.4% | $82,448-90.0% |
| Participation rate | 3.2% | 57.9%-54.6pp | 69.0%-65.8pp | 68.1%-64.8pp |
| Annual return | 16.23% | 22.41%-6.2pp | 61.39%-45.2pp | 41.64%-25.4pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $108 | $3,080-96.5% | $4,559-97.6% | $4,139-97.4% |
| Admin fee / account holder | $1,344 | $4,730-71.6% | $8,342-83.9% | $7,234-81.4% |