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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 | $140,972 | $158,852-11.3% | $121,220+16.3% | $135,379+4.1% |
| Participation rate | 100.0% | 79.3%+20.7pp | 71.8%+28.2pp | 82.6%+17.4pp |
| Annual return | -8.80% | -0.64%-8.2pp | 16.94%-25.7pp | 519.79%-528.6pp |
| Employer contribution / active EE | $16,211 | $5,666+186.1% | $4,023+303.0% | $4,779+239.2% |
| Participant deferral / active EE | $9,212 | $4,006+130.0% | $3,345+175.4% | $5,609+64.2% |
| Admin fee / account holder | $2,091 | $6,515-67.9% | $5,021-58.3% | $10,828-80.7% |