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 | $51,638+95.9% | $129,406-21.8% | $80,959+24.9% |
| Participation rate | 49.1% | 56.9%-7.9pp | 69.6%-20.6pp | 67.7%-18.6pp |
| Annual return | 11.02% | 20.78%-9.8pp | 9468.18%-9457.2pp | 35.67%-24.7pp |
| Employer contribution / active EE | $2,271 | $1,584+43.4% | $4,155-45.3% | $2,757-17.6% |
| Participant deferral / active EE | $3,310 | $2,670+24.0% | $4,167-20.6% | $4,300-23.0% |
| Admin fee / account holder | $992 | $4,313-77.0% | $7,689-87.1% | $6,925-85.7% |