Filed April 27, 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 | $41,601 | $87,544-52.5% | $75,784-45.1% | $125,388-66.8% |
| Participation rate | 43.8% | 80.2%-36.4pp | 75.8%-32.1pp | 83.2%-39.4pp |
| Annual return | -3.21% | 13.49%-16.7pp | 9.68%-12.9pp | 282.24%-285.5pp |
| Employer contribution / active EE | $3,418 | $3,930-13.0% | $3,323+2.8% | $4,866-29.8% |
| Participant deferral / active EE | $2,821 | $4,229-33.3% | $3,652-22.8% | $5,352-47.3% |
| Admin fee / account holder | $1,549 | $6,502-76.2% | $5,300-70.8% | $9,541-83.8% |