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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 | $155,032 | $167,362-7.4% | $143,799+7.8% | $134,532+15.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -11.68% | 0.47%-12.2pp | -0.04%-11.6pp | 418.27%-429.9pp |
| Employer contribution / active EE | $13,000 | $5,620+131.3% | $4,952+162.5% | $4,741+174.2% |
| Participant deferral / active EE | $9,000 | $6,447+39.6% | $5,638+59.6% | $6,401+40.6% |
| Admin fee / account holder | $2,126 | $18,094-88.3% | $14,677-85.5% | $11,429-81.4% |