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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 | $76,589 | $167,362-54.2% | $143,799-46.7% | $134,532-43.1% |
| Participation rate | 85.7% | 84.8%+0.9pp | 80.3%+5.4pp | 81.2%+4.5pp |
| Annual return | -12.56% | 0.47%-13.0pp | -0.04%-12.5pp | 418.27%-430.8pp |
| Employer contribution / active EE | $11,710 | $5,620+108.3% | $4,952+136.5% | $4,741+147.0% |
| Participant deferral / active EE | $8,361 | $6,447+29.7% | $5,638+48.3% | $6,401+30.6% |
| Admin fee / account holder | $23,025 | $18,094+27.3% | $14,677+56.9% | $11,429+101.5% |