Filed September 16, 2025
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $26,896 | $144,130-81.3% | $117,861-77.2% | $147,586-81.8% |
| Participation rate | 92.3% | 83.4%+8.9pp | 79.7%+12.6pp | 82.8%+9.5pp |
| Annual return | 25.60% | 531.20%-505.6pp | 335.11%-309.5pp | 578.59%-553.0pp |
| Employer contribution / active EE | $3,002 | $4,897-38.7% | $3,786-20.7% | $4,876-38.4% |
| Participant deferral / active EE | $5,449 | $5,316+2.5% | $4,482+21.6% | $5,439+0.2% |
| Admin fee / account holder | $542 | $10,887-95.0% | $8,021-93.2% | $10,886-95.0% |