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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $61,042 | $93,617-34.8% | $135,982-55.1% | $75,177-18.8% |
| Participation rate | 46.2% | 75.2%-29.0pp | 81.9%-35.8pp | 67.2%-21.1pp |
| Annual return | 9.95% | 30.89%-20.9pp | 68.32%-58.4pp | 160.75%-150.8pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $5,420 | $6,406-15.4% | $7,760-30.2% | $4,126+31.3% |
| Admin fee / account holder | $944 | $6,980-86.5% | $10,767-91.2% | $5,651-83.3% |