Filed April 17, 2026
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $62,933 | $72,273-12.9% | $101,275-37.9% | $79,856-21.2% |
| Participation rate | 36.2% | 68.5%-32.2pp | 75.8%-39.6pp | 69.6%-33.4pp |
| Annual return | 11.32% | 22.30%-11.0pp | 46.48%-35.2pp | 31.71%-20.4pp |
| Employer contribution / active EE | $202 | $2,691-92.5% | $3,660-94.5% | $2,471-91.8% |
| Participant deferral / active EE | $1,847 | $3,282-43.7% | $4,371-57.7% | $3,741-50.6% |
| Admin fee / account holder | $1,636 | $4,401-62.8% | $5,948-72.5% | $5,306-69.2% |