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.)
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 | $66,209 | $69,708-5.0% | $67,560-2.0% | $74,478-11.1% |
| Participation rate | 23.2% | 71.4%-48.2pp | 72.9%-49.7pp | 67.2%-44.0pp |
| Annual return | 16.09% | -40.67%+56.8pp | 3533.50%-3517.4pp | 1370.56%-1354.5pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $2,737-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,365 | $3,637-62.5% | $4,004-65.9% | $4,350-68.6% |
| Admin fee / account holder | $1,595 | $887+79.8% | $3,994-60.1% | $1,946-18.0% |