Filed February 9, 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $11,965 | $53,128-77.5% | $86,582-86.2% | $70,126-82.9% |
| Participation rate | 97.2% | 65.3%+31.9pp | 73.5%+23.6pp | 69.5%+27.6pp |
| Annual return | 10.04% | 27.66%-17.6pp | 965.08%-955.0pp | 73.15%-63.1pp |
| Employer contribution / active EE | $1,471 | $2,068-28.9% | $2,839-48.2% | $2,343-37.2% |
| Participant deferral / active EE | $0 | $2,695-100.0% | $3,609-100.0% | $3,332-100.0% |
| Admin fee / account holder | $817 | $3,584-77.2% | $4,904-83.3% | $4,645-82.4% |