Filed July 30, 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).
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 | $30,617 | $89,225-65.7% | $135,987-77.5% | $74,400-58.8% |
| Participation rate | 60.3% | 69.4%-9.1pp | 76.4%-16.1pp | 67.2%-6.9pp |
| Annual return | 21.50% | 22.76%-1.3pp | 579.77%-558.3pp | 1367.51%-1346.0pp |
| Employer contribution / active EE | $1,502 | $2,816-46.7% | $4,214-64.4% | $2,624-42.8% |
| Participant deferral / active EE | $2,298 | $4,597-50.0% | $7,027-67.3% | $4,348-47.2% |
| Admin fee / account holder | $1,028 | $1,545-33.5% | $6,716-84.7% | $1,944-47.1% |