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 | $122,304 | $115,814+5.6% | $101,275+20.8% | $158,982-23.1% |
| Participation rate | 83.3% | 79.4%+4.0pp | 75.8%+7.5pp | 82.0%+1.4pp |
| Annual return | 14.37% | 56.16%-41.8pp | 46.48%-32.1pp | 302.99%-288.6pp |
| Employer contribution / active EE | $2,514 | $4,176-39.8% | $3,660-31.3% | $4,763-47.2% |
| Participant deferral / active EE | $7,593 | $4,958+53.1% | $4,371+73.7% | $5,983+26.9% |
| Admin fee / account holder | $3,203 | $7,249-55.8% | $5,948-46.2% | $11,252-71.5% |