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 | $53,800 | $51,631+4.2% | $129,397-58.4% | $80,925-33.5% |
| Participation rate | 64.9% | 56.9%+8.0pp | 69.6%-4.7pp | 67.7%-2.7pp |
| Annual return | 12.31% | 20.77%-8.5pp | 9453.98%-9441.7pp | 35.65%-23.3pp |
| Employer contribution / active EE | $1,450 | $1,583-8.4% | $4,154-65.1% | $2,756-47.4% |
| Participant deferral / active EE | $4,320 | $2,670+61.8% | $4,167+3.7% | $4,299+0.5% |
| Admin fee / account holder | $4,281 | $4,309-0.6% | $7,679-44.2% | $6,940-38.3% |