Filed November 23, 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.)
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 | $69,876 | $69,977-0.1% | $108,582-35.6% | $62,881+11.1% |
| Participation rate | 30.9% | 72.9%-42.0pp | 79.6%-48.6pp | 69.3%-38.4pp |
| Annual return | 8.60% | 10.73%-2.1pp | -51.70%+60.3pp | 20.14%-11.5pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,656 | $3,165-16.1% | $4,311-38.4% | $3,203-17.1% |
| Admin fee / account holder | $3,049 | $5,076-39.9% | $7,645-60.1% | $4,296-29.0% |