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 | $38,579 | $65,440-41.0% | $98,506-60.8% | $85,851-55.1% |
| Participation rate | 50.0% | 65.0%-15.0pp | 73.3%-23.3pp | 69.3%-19.3pp |
| Annual return | 16.90% | 21.75%-4.8pp | 1494.92%-1478.0pp | 318.63%-301.7pp |
| Employer contribution / active EE | $250 | $2,169-88.5% | $2,961-91.6% | $2,565-90.3% |
| Participant deferral / active EE | $1,762 | $3,168-44.4% | $4,277-58.8% | $3,952-55.4% |
| Admin fee / account holder | $304 | $4,596-93.4% | $5,955-94.9% | $6,261-95.1% |