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 | $68,408 | $93,617-26.9% | $135,982-49.7% | $75,177-9.0% |
| Participation rate | 41.7% | 75.2%-33.5pp | 81.9%-40.3pp | 67.2%-25.5pp |
| Annual return | 18.67% | 30.89%-12.2pp | 68.32%-49.7pp | 160.75%-142.1pp |
| Employer contribution / active EE | $1,491 | $3,538-57.9% | $4,859-69.3% | $2,671-44.2% |
| Participant deferral / active EE | $5,181 | $6,406-19.1% | $7,760-33.2% | $4,126+25.6% |
| Admin fee / account holder | $7,830 | $6,980+12.2% | $10,767-27.3% | $5,651+38.6% |