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 | $114,712-43.7% | $173,730-62.8% | $87,485-26.2% |
| Participation rate | 42.6% | 73.0%-30.4pp | 79.6%-37.0pp | 68.9%-26.4pp |
| Annual return | 27.83% | 20.18%+7.6pp | 19.96%+7.9pp | 26.06%+1.8pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,118 | $4,642-54.4% | $6,326-66.5% | $4,274-50.4% |
| Admin fee / account holder | $2,561 | $10,210-74.9% | $17,523-85.4% | $7,775-67.1% |