Filed July 18, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $12,326 | $91,198-86.5% | $178,503-93.1% | $79,856-84.6% |
| Participation rate | 23.6% | 69.2%-45.6pp | 81.9%-58.3pp | 69.6%-46.0pp |
| Annual return | 31.49% | 24.20%+7.3pp | 151.12%-119.6pp | 31.71%-0.2pp |
| Employer contribution / active EE | $265 | $3,257-91.9% | $5,011-94.7% | $2,471-89.3% |
| Participant deferral / active EE | $949 | $3,237-70.7% | $5,202-81.7% | $3,741-74.6% |
| Admin fee / account holder | $710 | $6,748-89.5% | $13,987-94.9% | $5,306-86.6% |