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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 | $138,268 | $167,533-17.5% | $151,645-8.8% | $134,545+2.8% |
| Participation rate | 90.0% | 88.4%+1.6pp | 87.5%+2.5pp | 81.2%+8.8pp |
| Annual return | -19.67% | 7.81%-27.5pp | 3.34%-23.0pp | 418.37%-438.0pp |
| Employer contribution / active EE | $11,231 | $6,828+64.5% | $6,165+82.2% | $4,742+136.9% |
| Participant deferral / active EE | $12,459 | $8,985+38.7% | $8,363+49.0% | $6,401+94.6% |
| Admin fee / account holder | $2,242 | $13,781-83.7% | $11,614-80.7% | $11,431-80.4% |