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 | $112,899 | $81,457+38.6% | $103,378+9.2% | $80,911+39.5% |
| Participation rate | 36.4% | 66.8%-30.5pp | 74.5%-38.1pp | 67.6%-31.3pp |
| Annual return | 10.50% | 25.58%-15.1pp | 24.91%-14.4pp | 35.63%-25.1pp |
| Employer contribution / active EE | $1,033 | $3,107-66.8% | $3,870-73.3% | $2,756-62.5% |
| Participant deferral / active EE | $3,211 | $3,871-17.1% | $5,058-36.5% | $4,297-25.3% |
| Admin fee / account holder | $5,161 | $6,717-23.2% | $8,401-38.6% | $6,935-25.6% |