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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 | $185,456 | $167,353+10.8% | $143,797+29.0% | $134,545+37.8% |
| Participation rate | 71.4% | 84.8%-13.4pp | 80.3%-8.9pp | 81.2%-9.8pp |
| Annual return | -18.19% | 0.48%-18.7pp | -0.04%-18.1pp | 418.37%-436.6pp |
| Employer contribution / active EE | $13,329 | $5,620+137.2% | $4,952+169.1% | $4,742+181.1% |
| Participant deferral / active EE | $7,503 | $6,447+16.4% | $5,638+33.1% | $6,401+17.2% |
| Admin fee / account holder | $3,702 | $18,096-79.5% | $14,679-74.8% | $11,431-67.6% |