Filed October 9, 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 | $55,065 | $58,969-6.6% | $129,406-57.4% | $77,762-29.2% |
| Participation rate | 34.4% | 59.5%-25.1pp | 69.6%-35.3pp | 70.6%-36.2pp |
| Annual return | 13.67% | 24.78%-11.1pp | 9468.18%-9454.5pp | 31.27%-17.6pp |
| Employer contribution / active EE | $782 | $1,959-60.1% | $4,155-81.2% | $2,728-71.3% |
| Participant deferral / active EE | $1,509 | $3,224-53.2% | $4,167-63.8% | $4,651-67.6% |
| Admin fee / account holder | $19,087 | $593+3120.1% | $7,689+148.2% | $433+4309.2% |