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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $29,646 | $57,352-48.3% | $83,830-64.6% | $64,173-53.8% |
| Participation rate | 30.0% | 68.6%-38.6pp | 76.1%-46.1pp | 69.6%-39.6pp |
| Annual return | -9.56% | 11.38%-20.9pp | 850.97%-860.5pp | 7.63%-17.2pp |
| Employer contribution / active EE | $2,417 | $2,546-5.1% | $3,631-33.4% | $2,381+1.5% |
| Participant deferral / active EE | $3,015 | $2,993+0.7% | $4,082-26.1% | $3,470-13.1% |
| Admin fee / account holder | $856 | $4,046-78.8% | $5,479-84.4% | $4,887-82.5% |