Filed April 10, 2026
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $59,701 | $107,421-44.4% | $182,262-67.2% | $94,015-36.5% |
| Participation rate | 54.3% | 77.8%-23.4pp | 84.2%-29.9pp | 70.8%-16.5pp |
| Annual return | 14.62% | 21.32%-6.7pp | 140.60%-126.0pp | 17.84%-3.2pp |
| Employer contribution / active EE | $464 | $3,448-86.5% | $5,046-90.8% | $2,790-83.4% |
| Participant deferral / active EE | $4,512 | $6,558-31.2% | $8,276-45.5% | $4,249+6.2% |
| Admin fee / account holder | $10,542 | $8,692+21.3% | $16,712-36.9% | $8,951+17.8% |