Filed December 18, 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 | $24,106 | $75,962-68.3% | $154,111-84.4% | $64,173-62.4% |
| Participation rate | 56.6% | 70.4%-13.8pp | 83.0%-26.4pp | 69.6%-13.0pp |
| Annual return | -8.77% | 30.32%-39.1pp | 735.18%-744.0pp | 7.63%-16.4pp |
| Employer contribution / active EE | $562 | $3,350-83.2% | $5,298-89.4% | $2,381-76.4% |
| Participant deferral / active EE | $1,929 | $3,175-39.2% | $5,081-62.0% | $3,470-44.4% |
| Admin fee / account holder | $348 | $5,589-93.8% | $13,411-97.4% | $4,887-92.9% |