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 | $53,110 | $76,551-30.6% | $123,894-57.1% | $62,881-15.5% |
| Participation rate | 50.8% | 73.0%-22.2pp | 81.4%-30.6pp | 69.3%-18.5pp |
| Annual return | 7.41% | 18.68%-11.3pp | 47.52%-40.1pp | 20.14%-12.7pp |
| Employer contribution / active EE | $1,198 | $2,882-58.4% | $4,617-74.1% | $2,281-47.5% |
| Participant deferral / active EE | $2,725 | $4,840-43.7% | $5,984-54.5% | $3,203-14.9% |
| Admin fee / account holder | $7,686 | $4,826+59.3% | $8,357-8.0% | $4,296+78.9% |