Filed January 7, 2026
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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 | $89,872 | $109,359-17.8% | $162,185-44.6% | $72,976+23.2% |
| Participation rate | 90.0% | 84.3%+5.7pp | 87.6%+2.4pp | 69.5%+20.5pp |
| Annual return | 15.90% | 25.46%-9.6pp | 115.61%-99.7pp | 81.02%-65.1pp |
| Employer contribution / active EE | $5,458 | $3,907+39.7% | $5,613-2.8% | $2,440+123.7% |
| Participant deferral / active EE | $12,932 | $5,481+135.9% | $7,297+77.2% | $3,608+258.5% |
| Admin fee / account holder | $5,847 | $7,972-26.7% | $10,844-46.1% | $5,124+14.1% |