Filed May 27, 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 | $50,434 | $41,377+21.9% | $109,313-53.9% | $62,881-19.8% |
| Participation rate | 63.2% | 57.5%+5.6pp | 71.3%-8.1pp | 69.3%-6.1pp |
| Annual return | 7.61% | 11.05%-3.4pp | 22.07%-14.5pp | 20.14%-12.5pp |
| Employer contribution / active EE | $903 | $1,276-29.2% | $3,892-76.8% | $2,281-60.4% |
| Participant deferral / active EE | $2,539 | $2,045+24.2% | $3,166-19.8% | $3,203-20.7% |
| Admin fee / account holder | $3,884 | $2,884+34.7% | $5,666-31.4% | $4,296-9.6% |