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 | $52,353+22.4% | $120,225-46.7% | $82,448-22.2% |
| Participation rate | 60.2% | 58.3%+1.9pp | 69.6%-9.4pp | 68.1%-7.8pp |
| Annual return | 15.77% | 61.85%-46.1pp | 439.23%-423.5pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,464 | $1,510-3.1% | $3,475-57.9% | $2,551-42.6% |
| Participant deferral / active EE | $3,955 | $2,627+50.6% | $3,999-1.1% | $4,139-4.5% |
| Admin fee / account holder | $4,183 | $4,363-4.1% | $5,696-26.6% | $7,234-42.2% |