Filed March 23, 2026
Total covered: 2 employees
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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 | $41,039 | $63,082-34.9% | $81,726-49.8% | $79,856-48.6% |
| Participation rate | 58.3% | 67.5%-9.2pp | 72.0%-13.7pp | 69.6%-11.3pp |
| Annual return | 17.11% | 22.66%-5.6pp | 29.49%-12.4pp | 31.71%-14.6pp |
| Employer contribution / active EE | $1,139 | $1,795-36.6% | $4,311-73.6% | $2,471-53.9% |
| Participant deferral / active EE | $3,077 | $2,780+10.7% | $7,108-56.7% | $3,741-17.7% |
| Admin fee / account holder | $1,309 | $4,428-70.4% | $5,160-74.6% | $5,306-75.3% |