Filed April 2, 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 | $43,905 | $57,108-23.1% | $94,229-53.4% | $52,331-16.1% |
| Participation rate | 56.5% | 72.9%-16.4pp | 78.8%-22.3pp | 68.1%-11.6pp |
| Annual return | -0.95% | 1.47%-2.4pp | 10.68%-11.6pp | 4.54%-5.5pp |
| Employer contribution / active EE | $1,399 | $1,735-19.4% | $3,587-61.0% | $1,882-25.6% |
| Participant deferral / active EE | $2,501 | $3,040-17.7% | $4,320-42.1% | $3,022-17.2% |
| Admin fee / account holder | $3,436 | $546+528.8% | $6,269-45.2% | $592+480.8% |