Filed January 20, 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 | $189,376 | $80,674+134.7% | $119,126+59.0% | $64,340+194.3% |
| Participation rate | 13.7% | 55.2%-41.5pp | 75.8%-62.1pp | 55.2%-41.5pp |
| Annual return | 19.16% | 26.86%-7.7pp | 282.11%-263.0pp | 24.14%-5.0pp |
| Employer contribution / active EE | $1,092 | $2,564-57.4% | $4,034-72.9% | $1,862-41.3% |
| Participant deferral / active EE | $1,450 | $3,053-52.5% | $5,318-72.7% | $2,980-51.4% |
| Admin fee / account holder | $1,725 | $4,559-62.2% | $10,693-83.9% | $3,703-53.4% |