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 | $91,302 | $73,955+23.5% | $96,520-5.4% | $75,181+21.4% |
| Participation rate | 41.4% | 66.4%-25.0pp | 74.3%-33.0pp | 67.2%-25.8pp |
| Annual return | 14.10% | 26.72%-12.6pp | 35.72%-21.6pp | 160.69%-146.6pp |
| Employer contribution / active EE | $1,252 | $2,930-57.3% | $3,739-66.5% | $2,671-53.1% |
| Participant deferral / active EE | $3,784 | $3,659+3.4% | $4,879-22.4% | $4,126-8.3% |
| Admin fee / account holder | $2,341 | $5,217-55.1% | $6,733-65.2% | $5,650-58.6% |