Filed November 26, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,007 | $42,367-66.9% | $79,580-82.4% | $64,819-78.4% |
| Participation rate | 28.8% | 64.7%-35.9pp | 69.5%-40.7pp | 71.5%-42.6pp |
| Annual return | -1.38% | -12.23%+10.9pp | 0.15%-1.5pp | 32.84%-34.2pp |
| Employer contribution / active EE | $544 | $1,181-53.9% | $2,413-77.5% | $2,507-78.3% |
| Participant deferral / active EE | $1,821 | $3,170-42.6% | $3,985-54.3% | $4,311-57.8% |
| Admin fee / account holder | $68 | $160-57.3% | $6,835-99.0% | $188-63.7% |