Filed October 22, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $247,700 | $102,632+141.3% | $81,988+202.1% | $158,950+55.8% |
| Participation rate | 57.9% | 75.5%-17.6pp | 69.3%-11.4pp | 82.0%-24.1pp |
| Annual return | -21.72% | 61.05%-82.8pp | 41.31%-63.0pp | 302.91%-324.6pp |
| Employer contribution / active EE | $993 | $3,241-69.3% | $2,498-60.2% | $4,762-79.1% |
| Participant deferral / active EE | $2,462 | $4,649-47.0% | $3,722-33.9% | $5,983-58.8% |
| Admin fee / account holder | $397 | $8,237-95.2% | $5,665-93.0% | $11,248-96.5% |