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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 | $169,804 | $167,353+1.5% | $143,797+18.1% | $134,545+26.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -15.26% | 0.48%-15.7pp | -0.04%-15.2pp | 418.37%-433.6pp |
| Employer contribution / active EE | $7,364 | $5,620+31.0% | $4,952+48.7% | $4,742+55.3% |
| Participant deferral / active EE | $7,201 | $6,447+11.7% | $5,638+27.7% | $6,401+12.5% |
| Admin fee / account holder | $769 | $18,096-95.8% | $14,679-94.8% | $11,431-93.3% |