Filed November 13, 2025
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Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $16,608 | $73,863-77.5% | $143,797-88.5% | $68,490-75.8% |
| Participation rate | 80.0% | 66.7%+13.3pp | 80.3%-0.3pp | 67.9%+12.1pp |
| Annual return | -4.31% | 0.91%-5.2pp | -0.04%-4.3pp | -7.85%+3.5pp |
| Employer contribution / active EE | $353 | $3,185-88.9% | $4,952-92.9% | $2,597-86.4% |
| Participant deferral / active EE | $3,427 | $3,385+1.3% | $5,638-39.2% | $4,028-14.9% |
| Admin fee / account holder | $356 | $5,756-93.8% | $14,679-97.6% | $5,403-93.4% |