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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 | $173,375 | $142,392+21.8% | $119,622+44.9% | $134,532+28.9% |
| Participation rate | 91.7% | 82.8%+8.8pp | 79.3%+12.4pp | 81.2%+10.4pp |
| Annual return | -16.49% | -12.46%-4.0pp | -14.98%-1.5pp | 418.27%-434.8pp |
| Employer contribution / active EE | $10,729 | $5,224+105.4% | $4,232+153.5% | $4,741+126.3% |
| Participant deferral / active EE | $7,461 | $6,467+15.4% | $5,601+33.2% | $6,401+16.6% |
| Admin fee / account holder | $1,939 | $13,593-85.7% | $10,328-81.2% | $11,429-83.0% |