Filed August 7, 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 | $55,979 | $88,360-36.6% | $145,433-61.5% | $67,986-17.7% |
| Participation rate | 51.0% | 65.5%-14.5pp | 82.1%-31.2pp | 57.2%-6.2pp |
| Annual return | 16.03% | 63.15%-47.1pp | 66.58%-50.5pp | 31.67%-15.6pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,959 | $5,932-50.1% | $7,897-62.5% | $3,358-11.9% |
| Admin fee / account holder | $779 | $3,313-76.5% | $13,129-94.1% | $3,203-75.7% |