Filed December 3, 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 | $16,639 | $167,533-90.1% | $151,645-89.0% | $134,545-87.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -16.52% | 7.81%-24.3pp | 3.34%-19.9pp | 418.37%-434.9pp |
| Employer contribution / active EE | $6,338 | $6,828-7.2% | $6,165+2.8% | $4,742+33.7% |
| Participant deferral / active EE | $4,889 | $8,985-45.6% | $8,363-41.5% | $6,401-23.6% |
| Admin fee / account holder | $378 | $13,781-97.3% | $11,614-96.7% | $11,431-96.7% |