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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 | $137,175 | $167,352-18.0% | $143,788-4.6% | $134,509+2.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -2.48% | 0.47%-3.0pp | -0.03%-2.5pp | 418.13%-420.6pp |
| Employer contribution / active EE | $6,128 | $5,620+9.0% | $4,952+23.8% | $4,741+29.3% |
| Participant deferral / active EE | $6,320 | $6,447-2.0% | $5,638+12.1% | $6,400-1.3% |
| Admin fee / account holder | $1,375 | $18,091-92.4% | $14,675-90.6% | $11,427-88.0% |