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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 | $152,046 | $167,362-9.2% | $143,799+5.7% | $134,532+13.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -19.51% | 0.47%-20.0pp | -0.04%-19.5pp | 418.27%-437.8pp |
| Employer contribution / active EE | $3,111 | $5,620-44.6% | $4,952-37.2% | $4,741-34.4% |
| Participant deferral / active EE | $7,948 | $6,447+23.3% | $5,638+41.0% | $6,401+24.2% |
| Admin fee / account holder | $463 | $18,094-97.4% | $14,677-96.8% | $11,429-95.9% |