Filed October 16, 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 | $38,443 | $81,504-52.8% | $102,437-62.5% | $80,959-52.5% |
| Participation rate | 2.6% | 66.9%-64.3pp | 74.5%-71.9pp | 67.7%-65.1pp |
| Annual return | 11.65% | 25.60%-13.9pp | 24.95%-13.3pp | 35.67%-24.0pp |
| Employer contribution / active EE | $2,261 | $3,104-27.1% | $3,871-41.6% | $2,757-18.0% |
| Participant deferral / active EE | $4,169 | $3,871+7.7% | $5,060-17.6% | $4,300-3.1% |
| Admin fee / account holder | $1,042 | $6,719-84.5% | $8,388-87.6% | $6,925-85.0% |