Filed January 5, 2026
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Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $59,010 | $77,638-24.0% | $156,551-62.3% | $62,881-6.2% |
| Participation rate | 71.8% | 71.2%+0.6pp | 84.0%-12.2pp | 69.3%+2.5pp |
| Annual return | 1.56% | 50.33%-48.8pp | 32.23%-30.7pp | 20.14%-18.6pp |
| Employer contribution / active EE | $501 | $3,444-85.4% | $5,501-90.9% | $2,281-78.0% |
| Participant deferral / active EE | $795 | $3,046-73.9% | $4,871-83.7% | $3,203-75.2% |
| Admin fee / account holder | $1,579 | $5,561-71.6% | $13,028-87.9% | $4,296-63.2% |