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 | $26,989 | $91,439-70.5% | $135,974-80.2% | $71,511-62.3% |
| Participation rate | 32.7% | 75.7%-43.0pp | 81.9%-49.3pp | 67.9%-35.3pp |
| Annual return | 24.89% | 29.90%-5.0pp | 68.30%-43.4pp | 28.86%-4.0pp |
| Employer contribution / active EE | $1,256 | $3,705-66.1% | $4,859-74.2% | $2,589-51.5% |
| Participant deferral / active EE | $1,751 | $7,093-75.3% | $7,760-77.4% | $4,291-59.2% |
| Admin fee / account holder | $7,750 | $1,267+511.9% | $10,767-28.0% | $1,588+387.9% |