Filed October 10, 2025
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $20,880 | $45,872-54.5% | $77,096-72.9% | $68,486-69.5% |
| Participation rate | 100.0% | 55.9%+44.1pp | 67.9%+32.1pp | 67.9%+32.1pp |
| Annual return | -20.81% | 1.73%-22.5pp | 42.35%-63.2pp | -7.85%-13.0pp |
| Employer contribution / active EE | $1,661 | $1,650+0.7% | $2,814-41.0% | $2,597-36.0% |
| Participant deferral / active EE | $6,129 | $2,963+106.9% | $4,429+38.4% | $4,028+52.2% |
| Admin fee / account holder | $468 | $3,041-84.6% | $5,428-91.4% | $5,404-91.3% |