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 | $46,778 | $82,678-43.4% | $125,391-62.7% | $68,490-31.7% |
| Participation rate | 45.5% | 75.1%-29.6pp | 82.4%-36.9pp | 67.9%-22.4pp |
| Annual return | -11.60% | -5.97%-5.6pp | 572.41%-584.0pp | -7.85%-3.8pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,454 | $6,111-27.1% | $7,448-40.2% | $4,028+10.6% |
| Admin fee / account holder | $6,420 | $6,277+2.3% | $10,009-35.9% | $5,403+18.8% |