Filed September 29, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $28,518 | $54,763-47.9% | $90,324-68.4% | $72,976-60.9% |
| Participation rate | 42.7% | 65.2%-22.5pp | 73.3%-30.6pp | 69.5%-26.8pp |
| Annual return | 20.10% | 30.63%-10.5pp | 78.15%-58.1pp | 81.02%-60.9pp |
| Employer contribution / active EE | $161 | $2,093-92.3% | $2,856-94.4% | $2,440-93.4% |
| Participant deferral / active EE | $1,066 | $2,887-63.1% | $3,885-72.6% | $3,608-70.5% |
| Admin fee / account holder | $868 | $3,973-78.2% | $5,356-83.8% | $5,124-83.1% |