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 | $56,477 | $143,969-60.8% | $199,883-71.7% | $82,637-31.7% |
| Participation rate | 53.8% | 84.1%-30.3pp | 86.8%-32.9pp | 68.1%-14.2pp |
| Annual return | 19.39% | 25.67%-6.3pp | 43.81%-24.4pp | 53.51%-34.1pp |
| Employer contribution / active EE | $1,925 | $4,632-58.4% | $6,261-69.3% | $2,552-24.6% |
| Participant deferral / active EE | $3,718 | $6,937-46.4% | $9,138-59.3% | $4,126-9.9% |
| Admin fee / account holder | $10,493 | $14,597-28.1% | $17,268-39.2% | $7,339+43.0% |