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 | $106,749-44.1% | $145,433-58.9% | $82,448-27.6% |
| Participation rate | 54.3% | 75.6%-21.3pp | 82.1%-27.8pp | 68.1%-13.7pp |
| Annual return | 14.62% | 27.59%-13.0pp | 66.58%-52.0pp | 41.64%-27.0pp |
| Employer contribution / active EE | $464 | $3,444-86.5% | $4,554-89.8% | $2,551-81.8% |
| Participant deferral / active EE | $4,512 | $6,519-30.8% | $7,897-42.9% | $4,139+9.0% |
| Admin fee / account holder | $10,542 | $8,390+25.7% | $13,129-19.7% | $7,234+45.7% |