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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $24,809 | $104,479-76.3% | $159,474-84.4% | $79,391-68.8% |
| Participation rate | 36.2% | 76.6%-40.4pp | 82.8%-46.6pp | 70.7%-34.5pp |
| Annual return | 18.06% | 67.98%-49.9pp | 263.68%-245.6pp | 116.88%-98.8pp |
| Employer contribution / active EE | $1,137 | $3,417-66.7% | $4,831-76.5% | $2,428-53.2% |
| Participant deferral / active EE | $1,673 | $6,468-74.1% | $7,353-77.2% | $4,046-58.7% |
| Admin fee / account holder | $1,385 | $711+94.8% | $10,802-87.2% | $627+121.1% |