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.)
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 | $107,680 | $89,259+20.6% | $107,187+0.5% | $82,637+30.3% |
| Participation rate | 48.5% | 67.9%-19.4pp | 75.0%-26.5pp | 68.1%-19.6pp |
| Annual return | 11.75% | 21.02%-9.3pp | 204.55%-192.8pp | 53.51%-41.8pp |
| Employer contribution / active EE | $1,261 | $3,080-59.1% | $3,782-66.7% | $2,552-50.6% |
| Participant deferral / active EE | $3,513 | $4,037-13.0% | $5,096-31.1% | $4,126-14.9% |
| Admin fee / account holder | $7,015 | $7,381-5.0% | $9,162-23.4% | $7,339-4.4% |