Filed July 10, 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 | $106,811 | $197,594-45.9% | $177,822-39.9% | $158,931-32.8% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 22.89% | 58.76%-35.9pp | 48.32%-25.4pp | 302.86%-280.0pp |
| Employer contribution / active EE | $9,695 | $6,697+44.8% | $5,918+63.8% | $4,761+103.6% |
| Participant deferral / active EE | $18,185 | $8,405+116.4% | $7,714+135.7% | $5,982+204.0% |
| Admin fee / account holder | $10,641 | $15,400-30.9% | $12,428-14.4% | $11,247-5.4% |