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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 | $192,461 | $167,533+14.9% | $151,645+26.9% | $134,545+43.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -3.71% | 7.81%-11.5pp | 3.34%-7.0pp | 418.37%-422.1pp |
| Employer contribution / active EE | $25,406 | $6,828+272.1% | $6,165+312.1% | $4,742+435.8% |
| Participant deferral / active EE | $19,202 | $8,985+113.7% | $8,363+129.6% | $6,401+200.0% |
| Admin fee / account holder | $14,960 | $13,781+8.6% | $11,614+28.8% | $11,431+30.9% |