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 | $64,549 | $110,137-41.4% | $161,149-59.9% | $82,637-21.9% |
| Participation rate | 42.6% | 72.4%-29.8pp | 78.8%-36.3pp | 68.1%-25.5pp |
| Annual return | 27.83% | 20.69%+7.1pp | 21.16%+6.7pp | 53.51%-25.7pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,118 | $4,575-53.7% | $6,153-65.6% | $4,126-48.7% |
| Admin fee / account holder | $2,561 | $9,467-72.9% | $15,194-83.1% | $7,339-65.1% |