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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 | $163,964 | $167,352-2.0% | $143,788+14.0% | $134,509+21.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -15.40% | 0.47%-15.9pp | -0.03%-15.4pp | 418.13%-433.5pp |
| Employer contribution / active EE | $2,812 | $5,620-50.0% | $4,952-43.2% | $4,741-40.7% |
| Participant deferral / active EE | $6,846 | $6,447+6.2% | $5,638+21.4% | $6,400+7.0% |
| Admin fee / account holder | $552 | $18,091-96.9% | $14,675-96.2% | $11,427-95.2% |