Filed December 23, 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.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,474 | $142,392-91.9% | $119,622-90.4% | $134,532-91.5% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -17.27% | -12.46%-4.8pp | -14.98%-2.3pp | 418.27%-435.5pp |
| Employer contribution / active EE | $6,689 | $5,224+28.1% | $4,232+58.1% | $4,741+41.1% |
| Participant deferral / active EE | $2,923 | $6,467-54.8% | $5,601-47.8% | $6,401-54.3% |
| Admin fee / account holder | $873 | $13,593-93.6% | $10,328-91.5% | $11,429-92.4% |