Filed January 7, 2026
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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 | $177,866 | $143,969+23.5% | $199,883-11.0% | $82,637+115.2% |
| Participation rate | 93.5% | 84.1%+9.4pp | 86.8%+6.8pp | 68.1%+25.5pp |
| Annual return | 12.08% | 25.67%-13.6pp | 43.81%-31.7pp | 53.51%-41.4pp |
| Employer contribution / active EE | $0 | $4,632-100.0% | $6,261-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $17,174 | $6,937+147.6% | $9,138+87.9% | $4,126+316.2% |
| Admin fee / account holder | $13,007 | $14,597-10.9% | $17,268-24.7% | $7,339+77.2% |