Filed July 22, 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 | $85,793 | $72,273+18.7% | $101,275-15.3% | $79,856+7.4% |
| Participation rate | 68.0% | 68.5%-0.5pp | 75.8%-7.8pp | 69.6%-1.6pp |
| Annual return | 15.23% | 22.30%-7.1pp | 46.48%-31.3pp | 31.71%-16.5pp |
| Employer contribution / active EE | $1,675 | $2,691-37.8% | $3,660-54.2% | $2,471-32.2% |
| Participant deferral / active EE | $3,175 | $3,282-3.3% | $4,371-27.4% | $3,741-15.1% |
| Admin fee / account holder | $1,005 | $4,401-77.2% | $5,948-83.1% | $5,306-81.1% |