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 | $47,163 | $58,726-19.7% | $142,898-67.0% | $85,847-45.1% |
| Participation rate | 61.7% | 58.5%+3.2pp | 72.0%-10.2pp | 69.3%-7.6pp |
| Annual return | 18.64% | 27.73%-9.1pp | 5639.64%-5621.0pp | 318.61%-300.0pp |
| Employer contribution / active EE | $1,127 | $1,424-20.9% | $4,146-72.8% | $2,565-56.1% |
| Participant deferral / active EE | $2,787 | $2,609+6.8% | $3,838-27.4% | $3,952-29.5% |
| Admin fee / account holder | $3,492 | $4,234-17.5% | $6,560-46.8% | $6,261-44.2% |