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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 | $149,844 | $167,533-10.6% | $151,645-1.2% | $134,545+11.4% |
| Participation rate | 93.3% | 88.4%+5.0pp | 87.5%+5.8pp | 81.2%+12.1pp |
| Annual return | -13.27% | 7.81%-21.1pp | 3.34%-16.6pp | 418.37%-431.6pp |
| Employer contribution / active EE | $15,135 | $6,828+121.7% | $6,165+145.5% | $4,742+219.2% |
| Participant deferral / active EE | $9,854 | $8,985+9.7% | $8,363+17.8% | $6,401+53.9% |
| Admin fee / account holder | $3,880 | $13,781-71.8% | $11,614-66.6% | $11,431-66.1% |