Filed February 17, 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 | $8,921 | $72,071-87.6% | $68,368-87.0% | $137,256-93.5% |
| Participation rate | 60.0% | 76.2%-16.2pp | 73.8%-13.8pp | 80.0%-20.0pp |
| Annual return | 32.42% | 353.14%-320.7pp | 292.57%-260.2pp | 220.34%-187.9pp |
| Employer contribution / active EE | $2,684 | $2,788-3.7% | $2,649+1.3% | $4,156-35.4% |
| Participant deferral / active EE | $4,382 | $4,410-0.6% | $4,123+6.3% | $6,407-31.6% |
| Admin fee / account holder | $759 | $5,336-85.8% | $5,150-85.3% | $12,270-93.8% |