Filed May 2, 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 | $52,603 | $138,386-62.0% | $184,260-71.5% | $80,935-35.0% |
| Participation rate | 58.1% | 83.9%-25.8pp | 86.8%-28.8pp | 67.7%-9.6pp |
| Annual return | 14.47% | 20.02%-5.5pp | 28.84%-14.4pp | 35.66%-21.2pp |
| Employer contribution / active EE | $2,590 | $4,851-46.6% | $6,427-59.7% | $2,757-6.0% |
| Participant deferral / active EE | $5,538 | $7,076-21.7% | $9,133-39.4% | $4,299+28.8% |
| Admin fee / account holder | $3,259 | $10,489-68.9% | $13,898-76.5% | $6,924-52.9% |