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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 | $176,839 | $167,362+5.7% | $143,799+23.0% | $134,532+31.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -13.07% | 0.47%-13.5pp | -0.04%-13.0pp | 418.27%-431.3pp |
| Employer contribution / active EE | $11,613 | $5,620+106.6% | $4,952+134.5% | $4,741+144.9% |
| Participant deferral / active EE | $8,566 | $6,447+32.9% | $5,638+51.9% | $6,401+33.8% |
| Admin fee / account holder | $1,021 | $18,094-94.4% | $14,677-93.0% | $11,429-91.1% |