Filed May 4, 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.)
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 | $64,644 | $47,479+36.2% | $62,929+2.7% | $82,448-21.6% |
| Participation rate | 28.1% | 66.9%-38.8pp | 73.1%-45.0pp | 68.1%-40.0pp |
| Annual return | 10.52% | 20.34%-9.8pp | 1063.93%-1053.4pp | 41.64%-31.1pp |
| Employer contribution / active EE | $0 | $1,885-100.0% | $2,505-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,720 | $2,870-40.1% | $3,888-55.8% | $4,139-58.4% |
| Admin fee / account holder | $17,937 | $3,804+371.6% | $5,065+254.2% | $7,234+147.9% |