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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 | $136,293 | $167,353-18.6% | $143,797-5.2% | $134,545+1.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -19.25% | 0.48%-19.7pp | -0.04%-19.2pp | 418.37%-437.6pp |
| Employer contribution / active EE | $12,174 | $5,620+116.6% | $4,952+145.8% | $4,742+156.7% |
| Participant deferral / active EE | $8,779 | $6,447+36.2% | $5,638+55.7% | $6,401+37.1% |
| Admin fee / account holder | $675 | $18,096-96.3% | $14,679-95.4% | $11,431-94.1% |