Filed December 30, 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 | $77,425 | $57,352+35.0% | $83,831-7.6% | $64,173+20.7% |
| Participation rate | 84.0% | 68.6%+15.4pp | 76.1%+7.9pp | 69.6%+14.4pp |
| Annual return | -5.69% | 11.38%-17.1pp | 850.99%-856.7pp | 7.63%-13.3pp |
| Employer contribution / active EE | $2,416 | $2,546-5.1% | $3,631-33.5% | $2,381+1.5% |
| Participant deferral / active EE | $6,460 | $2,993+115.8% | $4,082+58.3% | $3,470+86.2% |
| Admin fee / account holder | $1,570 | $4,046-61.2% | $5,479-71.4% | $4,887-67.9% |