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 | $59,436 | $93,598-36.5% | $135,974-56.3% | $75,173-20.9% |
| Participation rate | 44.2% | 75.2%-31.0pp | 81.9%-37.7pp | 67.2%-23.0pp |
| Annual return | 28.88% | 30.89%-2.0pp | 68.30%-39.4pp | 160.72%-131.8pp |
| Employer contribution / active EE | $198 | $3,538-94.4% | $4,859-95.9% | $2,671-92.6% |
| Participant deferral / active EE | $3,573 | $6,405-44.2% | $7,760-54.0% | $4,126-13.4% |
| Admin fee / account holder | $4,280 | $6,978-38.7% | $10,767-60.2% | $5,651-24.3% |