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 | $48,146 | $44,221+8.9% | $121,220-60.3% | $56,289-14.5% |
| Participation rate | 52.9% | 61.1%-8.2pp | 71.8%-18.9pp | 69.9%-17.0pp |
| Annual return | -1.48% | -3.58%+2.1pp | 16.94%-18.4pp | -9.96%+8.5pp |
| Employer contribution / active EE | $1,909 | $1,480+29.0% | $4,023-52.5% | $2,111-9.6% |
| Participant deferral / active EE | $3,220 | $2,521+27.7% | $3,345-3.7% | $3,350-3.9% |
| Admin fee / account holder | $1,056 | $480+119.9% | $5,021-79.0% | $521+102.8% |