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 | $79,049 | $81,457-3.0% | $103,378-23.5% | $80,911-2.3% |
| Participation rate | 50.0% | 66.8%-16.8pp | 74.5%-24.5pp | 67.6%-17.6pp |
| Annual return | 13.16% | 25.58%-12.4pp | 24.91%-11.8pp | 35.63%-22.5pp |
| Employer contribution / active EE | $1,499 | $3,107-51.8% | $3,870-61.3% | $2,756-45.6% |
| Participant deferral / active EE | $2,276 | $3,871-41.2% | $5,058-55.0% | $4,297-47.0% |
| Admin fee / account holder | $2,557 | $6,717-61.9% | $8,401-69.6% | $6,935-63.1% |