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 | $35,852 | $54,370-34.1% | $82,763-56.7% | $68,490-47.7% |
| Participation rate | 50.0% | 63.9%-13.9pp | 72.6%-22.6pp | 67.9%-17.9pp |
| Annual return | -16.48% | -13.67%-2.8pp | 702.45%-718.9pp | -7.85%-8.6pp |
| Employer contribution / active EE | $401 | $2,219-81.9% | $3,008-86.7% | $2,597-84.6% |
| Participant deferral / active EE | $1,826 | $3,247-43.7% | $4,395-58.4% | $4,028-54.7% |
| Admin fee / account holder | $598 | $4,398-86.4% | $5,325-88.8% | $5,403-88.9% |