Filed May 8, 2026 (most recent of 2 filings on file)
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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.
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 | $31,268 | $57,352-45.5% | $83,830-62.7% | $64,173-51.3% |
| Participation rate | 30.0% | 68.6%-38.6pp | 76.1%-46.1pp | 69.6%-39.6pp |
| Annual return | -8.95% | 11.38%-20.3pp | 850.97%-859.9pp | 7.63%-16.6pp |
| Employer contribution / active EE | $756 | $2,546-70.3% | $3,631-79.2% | $2,381-68.3% |
| Participant deferral / active EE | $1,693 | $2,993-43.4% | $4,082-58.5% | $3,470-51.2% |
| Admin fee / account holder | $1,728 | $4,046-57.3% | $5,479-68.5% | $4,887-64.6% |