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 | $134,817-60.6% | $123,973-57.2% | $155,188-65.8% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.7%-10.0pp | 80.8%-14.1pp |
| Annual return | 19.40% | 515.49%-496.1pp | 388.13%-368.7pp | 148.84%-129.4pp |
| Employer contribution / active EE | $2,052 | $4,425-53.6% | $4,126-50.3% | $4,248-51.7% |
| Participant deferral / active EE | $5,217 | $5,706-8.6% | $5,247-0.6% | $6,531-20.1% |
| Admin fee / account holder | $3,527 | $13,245-73.4% | $11,799-70.1% | $14,480-75.6% |