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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 | $123,315 | $85,790+43.7% | $67,313+83.2% | $135,380-8.9% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -5.87% | -0.54%-5.3pp | -4.08%-1.8pp | 519.81%-525.7pp |
| Employer contribution / active EE | $9,556 | $3,487+174.0% | $2,566+272.5% | $4,779+100.0% |
| Participant deferral / active EE | $11,438 | $4,651+145.9% | $3,568+220.5% | $5,609+103.9% |
| Admin fee / account holder | $5,235 | $6,392-18.1% | $4,507+16.2% | $10,828-51.7% |