Filed November 14, 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 | $56,707 | $72,177-21.4% | $115,038-50.7% | $59,633-4.9% |
| Participation rate | 52.9% | 72.6%-19.6pp | 81.4%-28.4pp | 68.7%-15.7pp |
| Annual return | -0.98% | 12.02%-13.0pp | 26.14%-27.1pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $1,247 | $2,841-56.1% | $4,608-72.9% | $2,203-43.4% |
| Participant deferral / active EE | $3,098 | $4,783-35.2% | $6,026-48.6% | $3,192-2.9% |
| Admin fee / account holder | $3,051 | $4,927-38.1% | $8,175-62.7% | $4,297-29.0% |