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 | $39,634 | $43,730-9.4% | $121,220-67.3% | $64,173-38.2% |
| Participation rate | 68.1% | 58.3%+9.7pp | 71.8%-3.7pp | 69.6%-1.5pp |
| Annual return | -3.27% | 68.94%-72.2pp | 16.94%-20.2pp | 7.63%-10.9pp |
| Employer contribution / active EE | $901 | $1,297-30.5% | $4,023-77.6% | $2,381-62.2% |
| Participant deferral / active EE | $2,803 | $2,281+22.9% | $3,345-16.2% | $3,470-19.2% |
| Admin fee / account holder | $11,294 | $3,502+222.5% | $5,021+125.0% | $4,887+131.1% |