Filed March 10, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $133,499 | $201,264-33.7% | $184,185-27.5% | $145,978-8.5% |
| Participation rate | 62.5% | 87.5%-25.0pp | 86.8%-24.3pp | 80.3%-17.8pp |
| Annual return | 8.44% | 29.00%-20.6pp | 28.81%-20.4pp | 550.52%-542.1pp |
| Employer contribution / active EE | $2,860 | $7,021-59.3% | $6,426-55.5% | $4,662-38.7% |
| Participant deferral / active EE | $7,904 | $9,806-19.4% | $9,132-13.4% | $6,690+18.2% |
| Admin fee / account holder | $11,850 | $16,376-27.6% | $13,909-14.8% | $13,400-11.6% |