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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 | $137,424 | $167,522-18.0% | $151,639-9.4% | $134,532+2.1% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -12.29% | 7.81%-20.1pp | 3.34%-15.6pp | 418.27%-430.6pp |
| Employer contribution / active EE | $6,682 | $6,828-2.1% | $6,165+8.4% | $4,741+40.9% |
| Participant deferral / active EE | $12,202 | $8,986+35.8% | $8,363+45.9% | $6,401+90.6% |
| Admin fee / account holder | $1,200 | $13,780-91.3% | $11,613-89.7% | $11,429-89.5% |