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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 | $76,025 | $167,352-54.6% | $143,788-47.1% | $134,509-43.5% |
| Participation rate | 94.4% | 84.8%+9.6pp | 80.3%+14.1pp | 81.2%+13.2pp |
| Annual return | -1.80% | 0.47%-2.3pp | -0.03%-1.8pp | 418.13%-419.9pp |
| Employer contribution / active EE | $6,827 | $5,620+21.5% | $4,952+37.9% | $4,741+44.0% |
| Participant deferral / active EE | $7,764 | $6,447+20.4% | $5,638+37.7% | $6,400+21.3% |
| Admin fee / account holder | $10,480 | $18,091-42.1% | $14,675-28.6% | $11,427-8.3% |