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 | $87,060-33.1% | $105,591-44.9% | $80,911-28.1% |
| Participation rate | 67.5% | 70.4%-2.9pp | 75.3%-7.8pp | 67.6%-0.1pp |
| Annual return | 15.89% | 17.05%-1.2pp | 116.43%-100.5pp | 35.63%-19.7pp |
| Employer contribution / active EE | $2,268 | $2,396-5.4% | $3,166-28.4% | $2,756-17.7% |
| Participant deferral / active EE | $4,442 | $3,986+11.4% | $5,008-11.3% | $4,297+3.4% |
| Admin fee / account holder | $4,059 | $8,442-51.9% | $11,024-63.2% | $6,935-41.5% |