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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 | $97,217 | $133,981-27.4% | $112,249-13.4% | $134,532-27.7% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -15.19% | 47.16%-62.3pp | 27.48%-42.7pp | 418.27%-433.5pp |
| Employer contribution / active EE | $3,376 | $4,040-16.4% | $3,636-7.2% | $4,741-28.8% |
| Participant deferral / active EE | $11,055 | $5,292+108.9% | $4,729+133.8% | $6,401+72.7% |
| Admin fee / account holder | $11,093 | $7,492+48.1% | $6,412+73.0% | $11,429-2.9% |