Filed June 30, 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 | $111,171 | $73,787+50.7% | $98,716+12.6% | $82,448+34.8% |
| Participation rate | 68.9% | 61.4%+7.5pp | 69.3%-0.4pp | 68.1%+0.8pp |
| Annual return | 18.33% | 18.57%-0.2pp | 31.81%-13.5pp | 41.64%-23.3pp |
| Employer contribution / active EE | $2,061 | $1,511+36.4% | $2,279-9.6% | $2,551-19.2% |
| Participant deferral / active EE | $4,981 | $3,081+61.6% | $4,048+23.1% | $4,139+20.3% |
| Admin fee / account holder | $5,071 | $6,500-22.0% | $8,703-41.7% | $7,234-29.9% |