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.)
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 | $89,371 | $53,774+66.2% | $134,162-33.4% | $79,852+11.9% |
| Participation rate | 65.1% | 58.8%+6.3pp | 72.2%-7.1pp | 69.6%-4.5pp |
| Annual return | 11.04% | 19.01%-8.0pp | 36.35%-25.3pp | 31.72%-20.7pp |
| Employer contribution / active EE | $1,141 | $1,322-13.7% | $3,705-69.2% | $2,471-53.8% |
| Participant deferral / active EE | $2,137 | $2,420-11.7% | $3,500-38.9% | $3,740-42.9% |
| Admin fee / account holder | $10,848 | $3,985+172.2% | $6,685+62.3% | $5,306+104.4% |