Filed March 12, 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 | $14,823 | $31,109-52.4% | $67,704-78.1% | $52,331-71.7% |
| Participation rate | 48.6% | 54.0%-5.4pp | 67.5%-18.9pp | 68.1%-19.5pp |
| Annual return | 12.14% | 23.70%-11.6pp | 25.41%-13.3pp | 4.54%+7.6pp |
| Employer contribution / active EE | $404 | $1,076-62.4% | $2,559-84.2% | $1,882-78.5% |
| Participant deferral / active EE | $4,275 | $1,970+117.0% | $3,585+19.2% | $3,022+41.5% |
| Admin fee / account holder | $1,849 | $466+296.7% | $4,255-56.6% | $592+212.5% |