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 | $122,938 | $78,670+56.3% | $109,173+12.6% | $85,847+43.2% |
| Participation rate | 96.4% | 68.3%+28.2pp | 75.9%+20.5pp | 69.3%+27.1pp |
| Annual return | 16.61% | 25.09%-8.5pp | 25.75%-9.1pp | 318.61%-302.0pp |
| Employer contribution / active EE | $8,030 | $2,734+193.7% | $3,723+115.7% | $2,565+213.0% |
| Participant deferral / active EE | $6,651 | $3,467+91.8% | $4,654+42.9% | $3,952+68.3% |
| Admin fee / account holder | $10,916 | $5,469+99.6% | $6,755+61.6% | $6,261+74.4% |