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.)
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 | $35,518 | $135,645-73.8% | $110,243-67.8% | $135,380-73.8% |
| Participation rate | 80.0% | 83.5%-3.5pp | 79.8%+0.2pp | 82.6%-2.6pp |
| Annual return | -8.42% | 513.24%-521.7pp | 314.76%-323.2pp | 519.81%-528.2pp |
| Employer contribution / active EE | $3,509 | $4,907-28.5% | $3,827-8.3% | $4,779-26.6% |
| Participant deferral / active EE | $5,668 | $5,507+2.9% | $4,672+21.3% | $5,609+1.0% |
| Admin fee / account holder | $598 | $11,458-94.8% | $8,548-93.0% | $10,828-94.5% |