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 | $90,170+110.0% | $150,734+25.6% | $69,733+171.6% |
| Participation rate | 13.7% | 60.2%-46.5pp | 78.4%-64.7pp | 62.5%-48.7pp |
| Annual return | 19.16% | 16.56%+2.6pp | 600.81%-581.6pp | 15.22%+3.9pp |
| Employer contribution / active EE | $1,092 | $3,428-68.1% | $4,918-77.8% | $2,250-51.5% |
| Participant deferral / active EE | $1,450 | $3,086-53.0% | $5,610-74.2% | $3,054-52.5% |
| Admin fee / account holder | $1,725 | $4,600-62.5% | $14,905-88.4% | $3,102-44.4% |