Filed November 25, 2025
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $45,632 | $101,795-55.2% | $165,100-72.4% | $80,959-43.6% |
| Participation rate | 42.6% | 71.8%-29.3pp | 78.6%-36.1pp | 67.7%-25.1pp |
| Annual return | 16.87% | 16.73%+0.1pp | 70.21%-53.3pp | 35.67%-18.8pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,299 | $4,476-48.6% | $6,035-61.9% | $4,300-46.5% |
| Admin fee / account holder | $447 | $8,221-94.6% | $12,696-96.5% | $6,925-93.5% |