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 | $135,338 | $137,414-1.5% | $189,520-28.6% | $85,856+57.6% |
| Participation rate | 89.5% | 84.6%+4.9pp | 87.8%+1.7pp | 69.3%+20.2pp |
| Annual return | 8.37% | 38.14%-29.8pp | 555.25%-546.9pp | 318.58%-310.2pp |
| Employer contribution / active EE | $3,140 | $4,344-27.7% | $6,161-49.0% | $2,565+22.4% |
| Participant deferral / active EE | $12,689 | $6,260+102.7% | $8,220+54.4% | $3,952+221.1% |
| Admin fee / account holder | $17,505 | $8,630+102.8% | $12,046+45.3% | $6,261+179.6% |