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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 | $142,932 | $140,578+1.7% | $100,671+42.0% | $125,389+14.0% |
| Participation rate | 100.0% | 80.4%+19.6pp | 70.7%+29.3pp | 83.2%+16.8pp |
| Annual return | -1.68% | 24.67%-26.3pp | 20.43%-22.1pp | 282.24%-283.9pp |
| Employer contribution / active EE | $6,670 | $5,965+11.8% | $4,012+66.2% | $4,866+37.1% |
| Participant deferral / active EE | $8,000 | $3,981+100.9% | $3,144+154.5% | $5,352+49.5% |
| Admin fee / account holder | $1,372 | $6,716-79.6% | $4,850-71.7% | $9,541-85.6% |