Filed August 21, 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 | $107,680 | $105,284+2.3% | $150,734-28.6% | $94,015+14.5% |
| Participation rate | 48.5% | 71.7%-23.2pp | 78.4%-30.0pp | 70.8%-22.3pp |
| Annual return | 11.75% | 15.67%-3.9pp | 600.81%-589.1pp | 17.84%-6.1pp |
| Employer contribution / active EE | $1,261 | $3,599-65.0% | $4,918-74.4% | $2,790-54.8% |
| Participant deferral / active EE | $3,513 | $4,274-17.8% | $5,610-37.4% | $4,249-17.3% |
| Admin fee / account holder | $7,015 | $9,839-28.7% | $14,905-52.9% | $8,951-21.6% |