Filed May 21, 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 | $93,668 | $85,766+9.2% | $136,298-31.3% | $70,126+33.6% |
| Participation rate | 78.7% | 74.2%+4.6pp | 81.9%-3.2pp | 69.5%+9.2pp |
| Annual return | 11.07% | 31.46%-20.4pp | 5156.27%-5145.2pp | 73.15%-62.1pp |
| Employer contribution / active EE | $2,205 | $2,966-25.7% | $4,696-53.0% | $2,343-5.9% |
| Participant deferral / active EE | $4,644 | $5,051-8.1% | $6,247-25.7% | $3,332+39.4% |
| Admin fee / account holder | $3,740 | $5,421-31.0% | $9,244-59.5% | $4,645-19.5% |