Filed March 30, 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,478 | $159,934-55.3% | $147,005-51.4% | $145,959-51.0% |
| Participation rate | 52.9% | 84.0%-31.1pp | 82.2%-29.2pp | 80.3%-27.3pp |
| Annual return | 17.20% | 98.24%-81.0pp | 418.76%-401.6pp | 561.95%-544.7pp |
| Employer contribution / active EE | $1,729 | $5,287-67.3% | $4,934-64.9% | $4,661-62.9% |
| Participant deferral / active EE | $3,479 | $8,427-58.7% | $8,070-56.9% | $6,689-48.0% |
| Admin fee / account holder | $483 | $15,053-96.8% | $13,006-96.3% | $13,398-96.4% |