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 | $66,807 | $83,369-19.9% | $105,223-36.5% | $67,986-1.7% |
| Participation rate | 0.0% | 56.3%-56.3pp | 75.0%-75.0pp | 57.2%-57.2pp |
| Annual return | 39.29% | 24.64%+14.6pp | 180.65%-141.4pp | 31.67%+7.6pp |
| Employer contribution / active EE | $1,524 | $2,541-40.0% | $3,689-58.7% | $2,019-24.5% |
| Participant deferral / active EE | $3,349 | $3,295+1.6% | $5,072-34.0% | $3,358-0.3% |
| Admin fee / account holder | $5,535 | $4,073+35.9% | $8,859-37.5% | $3,203+72.8% |