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 | $31,629 | $101,539-68.9% | $147,041-78.5% | $74,400-57.5% |
| Participation rate | 33.6% | 75.5%-41.9pp | 82.2%-48.5pp | 67.2%-33.6pp |
| Annual return | 20.83% | 8740.84%-8720.0pp | 419.21%-398.4pp | 1367.51%-1346.7pp |
| Employer contribution / active EE | $1,228 | $3,811-67.8% | $4,935-75.1% | $2,624-53.2% |
| Participant deferral / active EE | $1,528 | $7,304-79.1% | $8,071-81.1% | $4,348-64.8% |
| Admin fee / account holder | $1,385 | $1,749-20.8% | $13,006-89.4% | $1,944-28.8% |