Filed July 31, 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 | $48,042 | $65,704-26.9% | $94,229-49.0% | $59,633-19.4% |
| Participation rate | 79.3% | 72.1%+7.2pp | 78.8%+0.5pp | 68.7%+10.6pp |
| Annual return | -0.40% | 5.22%-5.6pp | 10.68%-11.1pp | 2041.45%-2041.9pp |
| Employer contribution / active EE | $3,079 | $2,021+52.4% | $3,587-14.1% | $2,203+39.8% |
| Participant deferral / active EE | $6,868 | $3,143+118.5% | $4,320+59.0% | $3,192+115.2% |
| Admin fee / account holder | $2,301 | $4,265-46.0% | $6,269-63.3% | $4,297-46.4% |