Filed January 7, 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $28,649 | $123,793-76.9% | $177,848-83.9% | $79,856-64.1% |
| Participation rate | 69.2% | 84.7%-15.4pp | 87.7%-18.5pp | 69.6%-0.4pp |
| Annual return | 38.98% | 22.82%+16.2pp | 48.33%-9.3pp | 31.71%+7.3pp |
| Employer contribution / active EE | $4,097 | $4,095+0.1% | $5,919-30.8% | $2,471+65.8% |
| Participant deferral / active EE | $7,686 | $5,956+29.0% | $7,714-0.4% | $3,741+105.5% |
| Admin fee / account holder | $3,626 | $7,243-49.9% | $12,431-70.8% | $5,306-31.7% |