Filed February 18, 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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,103 | $65,961-2.8% | $180,320-64.5% | $94,015-31.8% |
| Participation rate | 60.2% | 61.3%-1.0pp | 71.5%-11.3pp | 70.8%-10.6pp |
| Annual return | 15.77% | 14.27%+1.5pp | 778.54%-762.8pp | 17.84%-2.1pp |
| Employer contribution / active EE | $1,464 | $1,737-15.7% | $4,108-64.4% | $2,790-47.5% |
| Participant deferral / active EE | $3,955 | $3,003+31.7% | $4,304-8.1% | $4,249-6.9% |
| Admin fee / account holder | $4,183 | $4,901-14.6% | $10,000-58.2% | $8,951-53.3% |