Filed November 19, 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 | $54,373 | $105,200-48.3% | $159,474-65.9% | $85,847-36.7% |
| Participation rate | 52.8% | 75.8%-23.0pp | 82.8%-30.1pp | 69.3%-16.5pp |
| Annual return | 24.33% | 45.08%-20.7pp | 263.68%-239.3pp | 318.61%-294.3pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,589 | $5,946-22.8% | $7,353-37.6% | $3,952+16.1% |
| Admin fee / account holder | $9,121 | $6,934+31.5% | $10,802-15.6% | $6,261+45.7% |