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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 | $48,449 | $167,362-71.1% | $143,799-66.3% | $134,532-64.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.47% | 0.47%-16.9pp | -0.04%-16.4pp | 418.27%-434.7pp |
| Employer contribution / active EE | $9,530 | $5,620+69.6% | $4,952+92.4% | $4,741+101.0% |
| Participant deferral / active EE | $7,781 | $6,447+20.7% | $5,638+38.0% | $6,401+21.6% |
| Admin fee / account holder | $1,766 | $18,094-90.2% | $14,677-88.0% | $11,429-84.5% |