Filed June 4, 2026
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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 | $41,934 | $49,177-14.7% | $79,467-47.2% | $64,173-34.7% |
| Participation rate | 74.5% | 65.0%+9.5pp | 73.3%+1.2pp | 69.6%+4.9pp |
| Annual return | -6.45% | -1.16%-5.3pp | 718.30%-724.8pp | 7.63%-14.1pp |
| Employer contribution / active EE | $761 | $2,076-63.4% | $2,800-72.8% | $2,381-68.1% |
| Participant deferral / active EE | $3,026 | $2,821+7.3% | $3,704-18.3% | $3,470-12.8% |
| Admin fee / account holder | $4,053 | $3,839+5.6% | $5,104-20.6% | $4,887-17.1% |