Filed August 8, 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 | $111,409 | $59,220+88.1% | $96,572+15.4% | $79,389+40.3% |
| Participation rate | 58.9% | 61.9%-3.0pp | 69.8%-10.9pp | 70.7%-11.8pp |
| Annual return | 13.94% | 27.08%-13.1pp | 37.79%-23.9pp | 116.89%-103.0pp |
| Employer contribution / active EE | $2,842 | $1,216+133.7% | $2,357+20.6% | $2,428+17.1% |
| Participant deferral / active EE | $4,222 | $2,948+43.2% | $3,850+9.7% | $4,046+4.4% |
| Admin fee / account holder | $3,461 | $659+425.6% | $6,183-44.0% | $626+452.5% |