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 | $36,785 | $76,696-52.0% | $96,538-61.9% | $71,529-48.6% |
| Participation rate | 31.7% | 66.6%-34.9pp | 74.3%-42.7pp | 67.9%-36.2pp |
| Annual return | 21.37% | 48.32%-27.0pp | 35.74%-14.4pp | 28.97%-7.6pp |
| Employer contribution / active EE | $1,145 | $3,032-62.2% | $3,740-69.4% | $2,590-55.8% |
| Participant deferral / active EE | $3,173 | $3,770-15.8% | $4,880-35.0% | $4,291-26.1% |
| Admin fee / account holder | $1,023 | $2,030-49.6% | $6,737-84.8% | $1,588-35.6% |