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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 | $173,165 | $167,504+3.4% | $151,628+14.2% | $134,509+28.7% |
| Participation rate | 73.9% | 88.4%-14.5pp | 87.5%-13.6pp | 81.2%-7.3pp |
| Annual return | -8.86% | 7.81%-16.7pp | 3.34%-12.2pp | 418.13%-427.0pp |
| Employer contribution / active EE | $11,111 | $6,828+62.7% | $6,165+80.2% | $4,741+134.4% |
| Participant deferral / active EE | $0 | $8,985-100.0% | $8,363-100.0% | $6,400-100.0% |
| Admin fee / account holder | $16,876 | $13,779+22.5% | $11,613+45.3% | $11,427+47.7% |