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 | $42,014 | $78,682-46.6% | $109,188-61.5% | $85,851-51.1% |
| Participation rate | 31.5% | 68.3%-36.8pp | 75.9%-44.4pp | 69.3%-37.8pp |
| Annual return | 13.20% | 25.09%-11.9pp | 25.76%-12.6pp | 318.63%-305.4pp |
| Employer contribution / active EE | $1,071 | $2,734-60.8% | $3,723-71.2% | $2,565-58.3% |
| Participant deferral / active EE | $2,671 | $3,468-23.0% | $4,654-42.6% | $3,952-32.4% |
| Admin fee / account holder | $597 | $5,470-89.1% | $6,755-91.2% | $6,261-90.5% |