Filed September 11, 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 | $79,566 | $73,988+7.5% | $96,538-17.6% | $75,177+5.8% |
| Participation rate | 53.1% | 66.4%-13.4pp | 74.3%-21.3pp | 67.2%-14.1pp |
| Annual return | 26.16% | 26.73%-0.6pp | 35.74%-9.6pp | 160.75%-134.6pp |
| Employer contribution / active EE | $1,653 | $2,930-43.6% | $3,740-55.8% | $2,671-38.1% |
| Participant deferral / active EE | $3,032 | $3,660-17.2% | $4,880-37.9% | $4,126-26.5% |
| Admin fee / account holder | $1,888 | $5,220-63.8% | $6,737-72.0% | $5,651-66.6% |