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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 | $150,236 | $167,353-10.2% | $143,797+4.5% | $134,545+11.7% |
| Participation rate | 93.3% | 84.8%+8.5pp | 80.3%+13.0pp | 81.2%+12.1pp |
| Annual return | -15.84% | 0.48%-16.3pp | -0.04%-15.8pp | 418.37%-434.2pp |
| Employer contribution / active EE | $10,799 | $5,620+92.1% | $4,952+118.1% | $4,742+127.8% |
| Participant deferral / active EE | $3,616 | $6,447-43.9% | $5,638-35.9% | $6,401-43.5% |
| Admin fee / account holder | $3,735 | $18,096-79.4% | $14,679-74.6% | $11,431-67.3% |