Filed December 8, 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 | $128,795 | $57,590+123.6% | $86,233+49.4% | $82,448+56.2% |
| Participation rate | 100.0% | 57.9%+42.1pp | 69.0%+31.0pp | 68.1%+31.9pp |
| Annual return | 45.15% | 22.41%+22.7pp | 61.39%-16.2pp | 41.64%+3.5pp |
| Employer contribution / active EE | $8,447 | $1,655+410.3% | $2,504+237.3% | $2,551+231.1% |
| Participant deferral / active EE | $12,014 | $3,080+290.1% | $4,559+163.5% | $4,139+190.2% |
| Admin fee / account holder | $3,537 | $4,730-25.2% | $8,342-57.6% | $7,234-51.1% |