Filed April 16, 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 | $59,825 | $86,919-31.2% | $102,457-41.6% | $80,911-26.1% |
| Participation rate | 66.7% | 72.4%-5.7pp | 76.5%-9.8pp | 67.6%-1.0pp |
| Annual return | 17.88% | 18.90%-1.0pp | 29.41%-11.5pp | 35.63%-17.8pp |
| Employer contribution / active EE | $0 | $2,368-100.0% | $3,022-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $12,272 | $4,119+197.9% | $5,054+142.8% | $4,297+185.6% |
| Admin fee / account holder | $8,344 | $8,049+3.7% | $9,451-11.7% | $6,935+20.3% |