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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 | $136,696 | $167,533-18.4% | $151,645-9.9% | $134,545+1.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -6.99% | 7.81%-14.8pp | 3.34%-10.3pp | 418.37%-425.4pp |
| Employer contribution / active EE | $15,396 | $6,828+125.5% | $6,165+149.7% | $4,742+224.7% |
| Participant deferral / active EE | $19,772 | $8,985+120.0% | $8,363+136.4% | $6,401+208.9% |
| Admin fee / account holder | $8,930 | $13,781-35.2% | $11,614-23.1% | $11,431-21.9% |