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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 | $138,126 | $127,387+8.4% | $115,038+20.1% | $125,389+10.2% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -2.37% | 31.28%-33.7pp | 26.14%-28.5pp | 282.24%-284.6pp |
| Employer contribution / active EE | $11,900 | $5,166+130.3% | $4,608+158.2% | $4,866+144.5% |
| Participant deferral / active EE | $9,637 | $6,423+50.0% | $6,026+59.9% | $5,352+80.1% |
| Admin fee / account holder | $407 | $9,516-95.7% | $8,175-95.0% | $9,541-95.7% |