Filed November 13, 2025 (most recent of 5 filings on file)
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Employer 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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $168,850 | $122,063+38.3% | $184,256-8.4% | $74,478+126.7% |
| Participation rate | 75.4% | 85.5%-10.1pp | 86.8%-11.4pp | 67.2%+8.2pp |
| Annual return | 11.90% | 19.92%-8.0pp | 28.85%-16.9pp | 1370.56%-1358.7pp |
| Employer contribution / active EE | $484 | $4,539-89.3% | $6,427-92.5% | $2,626-81.6% |
| Participant deferral / active EE | $4,889 | $7,144-31.6% | $9,133-46.5% | $4,350+12.4% |
| Admin fee / account holder | $454 | $1,253-63.7% | $13,899-96.7% | $1,946-76.7% |