Filed April 29, 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 | $63,569 | $80,992-21.5% | $96,534-34.1% | $75,173-15.4% |
| Participation rate | 68.0% | 71.8%-3.7pp | 76.0%-7.9pp | 67.2%+0.8pp |
| Annual return | 19.34% | 27.05%-7.7pp | 25.88%-6.5pp | 160.72%-141.4pp |
| Employer contribution / active EE | $2,537 | $2,283+11.1% | $2,965-14.4% | $2,671-5.0% |
| Participant deferral / active EE | $5,152 | $3,929+31.1% | $4,851+6.2% | $4,126+24.9% |
| Admin fee / account holder | $1,925 | $6,717-71.3% | $8,253-76.7% | $5,651-65.9% |