Filed September 29, 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 | $63,637 | $58,311+9.1% | $81,882-22.3% | $80,959-21.4% |
| Participation rate | 61.7% | 63.5%-1.8pp | 72.4%-10.7pp | 67.7%-6.0pp |
| Annual return | 13.81% | 41.85%-28.0pp | 779.47%-765.7pp | 35.67%-21.9pp |
| Employer contribution / active EE | $380 | $2,347-83.8% | $2,916-87.0% | $2,757-86.2% |
| Participant deferral / active EE | $3,198 | $3,287-2.7% | $4,323-26.0% | $4,300-25.6% |
| Admin fee / account holder | $544 | $4,752-88.5% | $7,360-92.6% | $6,925-92.1% |