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 | $58,234+9.3% | $81,783-22.2% | $80,874-21.3% |
| Participation rate | 61.7% | 63.4%-1.8pp | 72.4%-10.7pp | 67.6%-6.0pp |
| Annual return | 13.81% | 41.70%-27.9pp | 775.05%-761.2pp | 35.62%-21.8pp |
| Employer contribution / active EE | $380 | $2,341-83.8% | $2,913-86.9% | $2,756-86.2% |
| Participant deferral / active EE | $3,198 | $3,283-2.6% | $4,320-26.0% | $4,297-25.6% |
| Admin fee / account holder | $544 | $4,982-89.1% | $7,380-92.6% | $6,935-92.2% |