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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 | $174,325 | $142,392+22.4% | $119,622+45.7% | $134,532+29.6% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -18.11% | -12.46%-5.6pp | -14.98%-3.1pp | 418.27%-436.4pp |
| Employer contribution / active EE | $21,118 | $5,224+304.3% | $4,232+399.0% | $4,741+345.4% |
| Participant deferral / active EE | $25,446 | $6,467+293.5% | $5,601+354.4% | $6,401+297.5% |
| Admin fee / account holder | $1,955 | $13,593-85.6% | $10,328-81.1% | $11,429-82.9% |