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 | $83,369+127.2% | $105,223+80.0% | $67,986+178.6% |
| Participation rate | 13.7% | 56.3%-42.6pp | 75.0%-61.3pp | 57.2%-43.5pp |
| Annual return | 19.16% | 24.64%-5.5pp | 180.65%-161.5pp | 31.67%-12.5pp |
| Employer contribution / active EE | $1,092 | $2,541-57.0% | $3,689-70.4% | $2,019-45.9% |
| Participant deferral / active EE | $1,450 | $3,295-56.0% | $5,072-71.4% | $3,358-56.8% |
| Admin fee / account holder | $1,725 | $4,073-57.7% | $8,859-80.5% | $3,203-46.2% |