Filed December 23, 2025
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $41,016 | $58,391-29.8% | $76,667-46.5% | $72,976-43.8% |
| Participation rate | 80.3% | 67.4%+12.9pp | 72.1%+8.2pp | 69.5%+10.8pp |
| Annual return | 22.06% | 2306.65%-2284.6pp | 1166.74%-1144.7pp | 81.02%-59.0pp |
| Employer contribution / active EE | $1,653 | $1,787-7.5% | $2,303-28.2% | $2,440-32.3% |
| Participant deferral / active EE | $3,106 | $2,690+15.4% | $3,336-6.9% | $3,608-13.9% |
| Admin fee / account holder | $2,546 | $4,014-36.6% | $6,423-60.4% | $5,124-50.3% |