Filed June 2, 2026
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $38,793 | $118,877-67.4% | $96,570-59.8% | $167,536-76.8% |
| Participation rate | 90.0% | 75.5%+14.5pp | 69.8%+20.2pp | 82.1%+7.9pp |
| Annual return | 8.00% | 50.50%-42.5pp | 37.79%-29.8pp | 478.82%-470.8pp |
| Employer contribution / active EE | $2,805 | $3,121-10.1% | $2,357+19.0% | $4,839-42.0% |
| Participant deferral / active EE | $8,550 | $4,617+85.2% | $3,849+122.1% | $6,342+34.8% |
| Admin fee / account holder | $27,561 | $8,069+241.6% | $6,182+345.8% | $12,315+123.8% |