Filed November 10, 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 | $58,208 | $87,106-33.2% | $105,607-44.9% | $80,935-28.1% |
| Participation rate | 67.5% | 70.4%-2.9pp | 75.3%-7.8pp | 67.7%-0.2pp |
| Annual return | 15.89% | 17.01%-1.1pp | 116.11%-100.2pp | 35.66%-19.8pp |
| Employer contribution / active EE | $2,268 | $2,396-5.4% | $3,167-28.4% | $2,757-17.7% |
| Participant deferral / active EE | $4,442 | $3,986+11.4% | $5,011-11.4% | $4,299+3.3% |
| Admin fee / account holder | $4,059 | $8,447-52.0% | $10,958-63.0% | $6,924-41.4% |