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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $46,325 | $83,369-44.4% | $105,223-56.0% | $67,986-31.9% |
| Participation rate | 33.5% | 56.3%-22.8pp | 75.0%-41.5pp | 57.2%-23.7pp |
| Annual return | 8.82% | 24.64%-15.8pp | 180.65%-171.8pp | 31.67%-22.8pp |
| Employer contribution / active EE | $1,024 | $2,541-59.7% | $3,689-72.2% | $2,019-49.3% |
| Participant deferral / active EE | $2,326 | $3,295-29.4% | $5,072-54.1% | $3,358-30.7% |
| Admin fee / account holder | $2,312 | $4,073-43.2% | $8,859-73.9% | $3,203-27.8% |