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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 | $161,101 | $167,362-3.7% | $143,799+12.0% | $134,532+19.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -15.32% | 0.47%-15.8pp | -0.04%-15.3pp | 418.27%-433.6pp |
| Employer contribution / active EE | $4,286 | $5,620-23.7% | $4,952-13.5% | $4,741-9.6% |
| Participant deferral / active EE | $8,366 | $6,447+29.8% | $5,638+48.4% | $6,401+30.7% |
| Admin fee / account holder | $6,257 | $18,094-65.4% | $14,677-57.4% | $11,429-45.2% |