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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 | $138,388 | $167,522-17.4% | $151,639-8.7% | $134,532+2.9% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -20.06% | 7.81%-27.9pp | 3.34%-23.4pp | 418.27%-438.3pp |
| Employer contribution / active EE | $9,198 | $6,828+34.7% | $6,165+49.2% | $4,741+94.0% |
| Participant deferral / active EE | $13,803 | $8,986+53.6% | $8,363+65.0% | $6,401+115.6% |
| Admin fee / account holder | $474 | $13,780-96.6% | $11,613-95.9% | $11,429-95.9% |