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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 | $141,030 | $135,645+4.0% | $110,243+27.9% | $135,379+4.2% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -4.56% | 513.24%-517.8pp | 314.76%-319.3pp | 519.79%-524.3pp |
| Employer contribution / active EE | $1,379 | $4,907-71.9% | $3,827-64.0% | $4,779-71.1% |
| Participant deferral / active EE | $7,236 | $5,507+31.4% | $4,672+54.9% | $5,609+29.0% |
| Admin fee / account holder | $435 | $11,458-96.2% | $8,548-94.9% | $10,828-96.0% |