Filed November 13, 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 | $24,811 | $78,690-68.5% | $161,489-84.6% | $87,485-71.6% |
| Participation rate | 96.1% | 67.5%+28.6pp | 78.7%+17.4pp | 68.9%+27.1pp |
| Annual return | 12.78% | 32.74%-20.0pp | 89.72%-76.9pp | 26.06%-13.3pp |
| Employer contribution / active EE | $606 | $2,588-76.6% | $4,268-85.8% | $2,596-76.7% |
| Participant deferral / active EE | $3,671 | $3,311+10.9% | $5,630-34.8% | $4,274-14.1% |
| Admin fee / account holder | $34,333 | $6,724+410.6% | $16,006+114.5% | $7,775+341.6% |