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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 | $118,939 | $127,387-6.6% | $115,038+3.4% | $125,389-5.1% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 0.23% | 31.28%-31.1pp | 26.14%-25.9pp | 282.24%-282.0pp |
| Employer contribution / active EE | $11,383 | $5,166+120.3% | $4,608+147.0% | $4,866+133.9% |
| Participant deferral / active EE | $4,236 | $6,423-34.1% | $6,026-29.7% | $5,352-20.9% |
| Admin fee / account holder | $418 | $9,516-95.6% | $8,175-94.9% | $9,541-95.6% |