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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 | $204,985 | $211,946-3.3% | $169,452+21.0% | $135,382+51.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -3.82% | 3.26%-7.1pp | 1.83%-5.7pp | 519.77%-523.6pp |
| Employer contribution / active EE | $12,407 | $5,117+142.5% | $4,157+198.5% | $4,779+159.6% |
| Participant deferral / active EE | $14,152 | $6,075+132.9% | $5,277+168.2% | $5,609+152.3% |
| Admin fee / account holder | $1,001 | $11,472-91.3% | $9,110-89.0% | $10,829-90.8% |