Filed November 26, 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 | $116,831 | $102,422+14.1% | $147,117-20.6% | $80,959+44.3% |
| Participation rate | 46.2% | 75.9%-29.7pp | 82.2%-36.0pp | 67.7%-21.5pp |
| Annual return | 56.51% | 135.16%-78.6pp | 420.54%-364.0pp | 35.67%+20.8pp |
| Employer contribution / active EE | $2,238 | $3,717-39.8% | $4,932-54.6% | $2,757-18.8% |
| Participant deferral / active EE | $7,181 | $6,652+7.9% | $8,065-11.0% | $4,300+67.0% |
| Admin fee / account holder | $4,429 | $7,953-44.3% | $12,993-65.9% | $6,925-36.0% |