Filed February 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.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,948 | $58,311-81.2% | $81,882-86.6% | $80,959-86.5% |
| Participation rate | 33.7% | 63.5%-29.8pp | 72.4%-38.7pp | 67.7%-33.9pp |
| Annual return | 7.72% | 41.85%-34.1pp | 779.47%-771.8pp | 35.67%-27.9pp |
| Employer contribution / active EE | $645 | $2,347-72.5% | $2,916-77.9% | $2,757-76.6% |
| Participant deferral / active EE | $1,169 | $3,287-64.4% | $4,323-72.9% | $4,300-72.8% |
| Admin fee / account holder | $11,172 | $4,752+135.1% | $7,360+51.8% | $6,925+61.3% |