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 | $64,243 | $102,429-37.3% | $147,096-56.3% | $80,925-20.6% |
| Participation rate | 45.7% | 75.9%-30.2pp | 82.2%-36.5pp | 67.7%-22.0pp |
| Annual return | 14.48% | 135.02%-120.5pp | 419.75%-405.3pp | 35.65%-21.2pp |
| Employer contribution / active EE | $434 | $3,716-88.3% | $4,936-91.2% | $2,756-84.2% |
| Participant deferral / active EE | $3,693 | $6,649-44.4% | $8,071-54.2% | $4,299-14.1% |
| Admin fee / account holder | $7,186 | $7,957-9.7% | $13,005-44.7% | $6,940+3.5% |