Filed December 27, 2025 (most recent of 2 filings on file)
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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.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,702 | $40,275-33.7% | $57,356-53.4% | $59,633-55.2% |
| Participation rate | 82.8% | 69.1%+13.6pp | 75.1%+7.7pp | 68.7%+14.1pp |
| Annual return | -3.13% | 27.52%-30.7pp | 24.41%-27.5pp | 2041.45%-2044.6pp |
| Employer contribution / active EE | $854 | $1,921-55.5% | $2,689-68.2% | $2,203-61.2% |
| Participant deferral / active EE | $4,179 | $2,400+74.1% | $3,162+32.2% | $3,192+30.9% |
| Admin fee / account holder | $1,642 | $2,820-41.8% | $3,357-51.1% | $4,297-61.8% |