Filed November 4, 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 | $50,219 | $80,781-37.8% | $102,437-51.0% | $74,478-32.6% |
| Participation rate | 28.3% | 65.7%-37.4pp | 74.5%-46.2pp | 67.2%-38.9pp |
| Annual return | 13.57% | 27.58%-14.0pp | 24.95%-11.4pp | 1370.56%-1357.0pp |
| Employer contribution / active EE | $1,277 | $3,160-59.6% | $3,871-67.0% | $2,626-51.4% |
| Participant deferral / active EE | $2,564 | $3,862-33.6% | $5,060-49.3% | $4,350-41.1% |
| Admin fee / account holder | $2,868 | $2,372+20.9% | $8,388-65.8% | $1,946+47.4% |