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 | $46,194 | $46,697-1.1% | $117,529-60.7% | $68,490-32.6% |
| Participation rate | 65.3% | 56.8%+8.6pp | 70.6%-5.3pp | 67.9%-2.6pp |
| Annual return | -17.46% | -14.52%-2.9pp | 29.77%-47.2pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,284 | $1,506-14.7% | $4,179-69.3% | $2,597-50.5% |
| Participant deferral / active EE | $3,499 | $2,637+32.7% | $4,072-14.1% | $4,028-13.1% |
| Admin fee / account holder | $5,095 | $4,023+26.7% | $5,645-9.7% | $5,403-5.7% |