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.)
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 | $11,262 | $49,177-77.1% | $79,466-85.8% | $64,173-82.5% |
| Participation rate | 95.7% | 65.0%+30.7pp | 73.3%+22.4pp | 69.6%+26.1pp |
| Annual return | -3.39% | -1.16%-2.2pp | 718.28%-721.7pp | 7.63%-11.0pp |
| Employer contribution / active EE | $1,224 | $2,076-41.0% | $2,800-56.3% | $2,381-48.6% |
| Participant deferral / active EE | $0 | $2,821-100.0% | $3,704-100.0% | $3,470-100.0% |
| Admin fee / account holder | $1,521 | $3,839-60.4% | $5,104-70.2% | $4,887-68.9% |