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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 | $96,352 | $95,193+1.2% | $76,523+25.9% | $135,382-28.8% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -9.71% | 4.85%-14.6pp | -0.27%-9.4pp | 519.77%-529.5pp |
| Employer contribution / active EE | $9,420 | $3,302+185.3% | $2,647+255.9% | $4,779+97.1% |
| Participant deferral / active EE | $7,836 | $4,639+68.9% | $3,835+104.3% | $5,609+39.7% |
| Admin fee / account holder | $455 | $6,249-92.7% | $4,848-90.6% | $10,829-95.8% |