Filed March 26, 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $21,496 | $70,002-69.3% | $115,037-81.3% | $52,331-58.9% |
| Participation rate | 66.0% | 72.1%-6.1pp | 81.4%-15.3pp | 68.1%-2.1pp |
| Annual return | -1.94% | 4.04%-6.0pp | 26.14%-28.1pp | 4.54%-6.5pp |
| Employer contribution / active EE | $1,451 | $2,715-46.6% | $4,608-68.5% | $1,882-22.9% |
| Participant deferral / active EE | $4,572 | $4,920-7.1% | $6,026-24.1% | $3,022+51.3% |
| Admin fee / account holder | $1,313 | $566+131.9% | $8,175-83.9% | $592+121.9% |