Filed July 17, 2026
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,216 | $72,303-0.1% | $86,691-16.7% | $64,814+11.4% |
| Participation rate | 64.7% | 80.4%-15.7pp | 76.6%-11.9pp | 71.5%-6.8pp |
| Annual return | -17.51% | 392.77%-410.3pp | 35.94%-53.4pp | 32.84%-50.3pp |
| Employer contribution / active EE | $2,326 | $2,393-2.8% | $2,837-18.0% | $2,507-7.2% |
| Participant deferral / active EE | $4,774 | $4,660+2.5% | $4,656+2.5% | $4,310+10.8% |
| Admin fee / account holder | $338 | $174+94.1% | $7,492-95.5% | $188+79.8% |