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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 | $169,531 | $167,362+1.3% | $143,799+17.9% | $134,532+26.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -12.55% | 0.47%-13.0pp | -0.04%-12.5pp | 418.27%-430.8pp |
| Employer contribution / active EE | $3,042 | $5,620-45.9% | $4,952-38.6% | $4,741-35.8% |
| Participant deferral / active EE | $20,572 | $6,447+219.1% | $5,638+264.9% | $6,401+221.4% |
| Admin fee / account holder | $1,283 | $18,094-92.9% | $14,677-91.3% | $11,429-88.8% |