Filed April 2, 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 | $53,083 | $114,119-53.5% | $107,187-50.5% | $138,895-61.8% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 79.9%-13.3pp |
| Annual return | 19.40% | 273.21%-253.8pp | 204.55%-185.1pp | 145.39%-126.0pp |
| Employer contribution / active EE | $2,052 | $4,059-49.4% | $3,782-45.7% | $4,194-51.1% |
| Participant deferral / active EE | $5,217 | $5,538-5.8% | $5,096+2.4% | $6,396-18.4% |
| Admin fee / account holder | $3,527 | $10,024-64.8% | $9,162-61.5% | $12,562-71.9% |