Filed July 14, 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 | $29,891 | $55,932-46.6% | $76,735-61.0% | $67,986-56.0% |
| Participation rate | 36.7% | 50.8%-14.1pp | 69.5%-32.8pp | 57.2%-20.5pp |
| Annual return | 17.09% | 23.10%-6.0pp | 29.77%-12.7pp | 31.67%-14.6pp |
| Employer contribution / active EE | $537 | $1,487-63.9% | $2,454-78.1% | $2,019-73.4% |
| Participant deferral / active EE | $1,570 | $2,558-38.6% | $4,088-61.6% | $3,358-53.3% |
| Admin fee / account holder | $3,241 | $4,907-33.9% | $7,189-54.9% | $3,203+1.2% |