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.)
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 | $29,876 | $85,169-64.9% | $172,755-82.7% | $72,983-59.1% |
| Participation rate | 63.6% | 70.1%-6.4pp | 82.6%-19.0pp | 69.5%-5.9pp |
| Annual return | 18.12% | 27.32%-9.2pp | 802.94%-784.8pp | 81.01%-62.9pp |
| Employer contribution / active EE | $600 | $3,324-82.0% | $5,144-88.3% | $2,440-75.4% |
| Participant deferral / active EE | $2,012 | $3,260-38.3% | $5,198-61.3% | $3,608-44.2% |
| Admin fee / account holder | $699 | $5,880-88.1% | $13,955-95.0% | $5,124-86.4% |