Filed January 28, 2026 (most recent of 2 filings on file)
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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,521 | $110,483-68.8% | $145,433-76.3% | $79,634-56.7% |
| Participation rate | 36.6% | 71.1%-34.5pp | 82.1%-45.5pp | 62.5%-25.9pp |
| Annual return | 18.03% | 24.62%-6.6pp | 66.58%-48.5pp | 36.46%-18.4pp |
| Employer contribution / active EE | $1,365 | $4,053-66.3% | $4,554-70.0% | $2,529-46.0% |
| Participant deferral / active EE | $1,792 | $7,216-75.2% | $7,897-77.3% | $3,835-53.3% |
| Admin fee / account holder | $2,537 | $680+273.0% | $13,129-80.7% | $1,002+153.2% |