Filed June 11, 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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,417 | $54,757-33.5% | $90,300-59.7% | $72,983-50.1% |
| Participation rate | 69.6% | 65.1%+4.4pp | 73.3%-3.7pp | 69.5%+0.1pp |
| Annual return | 22.48% | 30.63%-8.1pp | 78.11%-55.6pp | 81.01%-58.5pp |
| Employer contribution / active EE | $3,120 | $2,092+49.1% | $2,854+9.3% | $2,440+27.9% |
| Participant deferral / active EE | $6,245 | $2,887+116.3% | $3,884+60.8% | $3,608+73.1% |
| Admin fee / account holder | $9,555 | $3,972+140.6% | $5,353+78.5% | $5,124+86.5% |