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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 | $182,106 | $167,352+8.8% | $143,788+26.6% | $134,509+35.4% |
| Participation rate | 75.0% | 84.8%-9.8pp | 80.3%-5.3pp | 81.2%-6.2pp |
| Annual return | -8.49% | 0.47%-9.0pp | -0.03%-8.5pp | 418.13%-426.6pp |
| Employer contribution / active EE | $13,026 | $5,620+131.8% | $4,952+163.1% | $4,741+174.8% |
| Participant deferral / active EE | $5,959 | $6,447-7.6% | $5,638+5.7% | $6,400-6.9% |
| Admin fee / account holder | $830 | $18,091-95.4% | $14,675-94.3% | $11,427-92.7% |