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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 | $203,802 | $167,362+21.8% | $143,799+41.7% | $134,532+51.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -14.49% | 0.47%-15.0pp | -0.04%-14.4pp | 418.27%-432.8pp |
| Employer contribution / active EE | $9,858 | $5,620+75.4% | $4,952+99.1% | $4,741+107.9% |
| Participant deferral / active EE | $9,674 | $6,447+50.0% | $5,638+71.6% | $6,401+51.1% |
| Admin fee / account holder | $440 | $18,094-97.6% | $14,677-97.0% | $11,429-96.1% |