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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 | $207,791 | $167,353+24.2% | $143,797+44.5% | $134,545+54.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -12.65% | 0.48%-13.1pp | -0.04%-12.6pp | 418.37%-431.0pp |
| Employer contribution / active EE | $10,924 | $5,620+94.4% | $4,952+120.6% | $4,742+130.4% |
| Participant deferral / active EE | $15,426 | $6,447+139.3% | $5,638+173.6% | $6,401+141.0% |
| Admin fee / account holder | $584 | $18,096-96.8% | $14,679-96.0% | $11,431-94.9% |