Filed March 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $101,134 | $51,604+96.0% | $129,295-21.8% | $80,874+25.1% |
| Participation rate | 49.1% | 57.0%-7.9pp | 69.6%-20.6pp | 67.6%-18.6pp |
| Annual return | 11.02% | 20.76%-9.7pp | 9429.28%-9418.3pp | 35.62%-24.6pp |
| Employer contribution / active EE | $2,271 | $1,585+43.4% | $4,157-45.4% | $2,756-17.6% |
| Participant deferral / active EE | $3,310 | $2,670+24.0% | $4,169-20.6% | $4,297-23.0% |
| Admin fee / account holder | $992 | $4,310-77.0% | $7,665-87.1% | $6,935-85.7% |