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 | $102,429+14.1% | $147,096-20.6% | $80,925+44.4% |
| Participation rate | 46.2% | 75.9%-29.7pp | 82.2%-36.0pp | 67.7%-21.5pp |
| Annual return | 56.51% | 135.02%-78.5pp | 419.75%-363.2pp | 35.65%+20.9pp |
| Employer contribution / active EE | $2,238 | $3,716-39.8% | $4,936-54.7% | $2,756-18.8% |
| Participant deferral / active EE | $7,181 | $6,649+8.0% | $8,071-11.0% | $4,299+67.1% |
| Admin fee / account holder | $4,429 | $7,957-44.3% | $13,005-65.9% | $6,940-36.2% |