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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 | $151,147 | $158,852-4.9% | $121,220+24.7% | $135,380+11.6% |
| Participation rate | 100.0% | 79.3%+20.7pp | 71.8%+28.2pp | 82.6%+17.4pp |
| Annual return | -6.63% | -0.64%-6.0pp | 16.94%-23.6pp | 519.81%-526.4pp |
| Employer contribution / active EE | $16,178 | $5,666+185.5% | $4,023+302.2% | $4,779+238.5% |
| Participant deferral / active EE | $0 | $4,006-100.0% | $3,345-100.0% | $5,609-100.0% |
| Admin fee / account holder | $1,481 | $6,515-77.3% | $5,021-70.5% | $10,828-86.3% |