Filed June 15, 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.)
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 | $198,418 | $185,312+7.1% | $161,489+22.9% | $154,746+28.2% |
| Participation rate | 57.1% | 82.5%-25.3pp | 78.7%-21.6pp | 80.7%-23.6pp |
| Annual return | 15.57% | 103.84%-88.3pp | 89.72%-74.1pp | 172.34%-156.8pp |
| Employer contribution / active EE | $0 | $4,769-100.0% | $4,268-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $6,051 | $6,350-4.7% | $5,630+7.5% | $6,730-10.1% |
| Admin fee / account holder | $2,211 | $18,654-88.1% | $16,006-86.2% | $14,365-84.6% |