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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,438 | $53,344+24.5% | $121,204-45.2% | $74,460-10.8% |
| Participation rate | 30.7% | 60.0%-29.3pp | 69.5%-38.8pp | 70.7%-40.0pp |
| Annual return | 16.21% | 35.15%-18.9pp | 987.18%-971.0pp | 34.38%-18.2pp |
| Employer contribution / active EE | $690 | $1,898-63.6% | $4,170-83.4% | $2,638-73.8% |
| Participant deferral / active EE | $1,281 | $3,220-60.2% | $4,083-68.6% | $4,530-71.7% |
| Admin fee / account holder | $6,479 | $382+1596.3% | $5,651+14.6% | $348+1762.8% |