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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 | $91,220 | $99,032-7.9% | $80,022+14.0% | $135,379-32.6% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -7.39% | 15.39%-22.8pp | 11.22%-18.6pp | 519.79%-527.2pp |
| Employer contribution / active EE | $17,396 | $3,043+471.6% | $2,468+604.8% | $4,779+264.0% |
| Participant deferral / active EE | $2,444 | $4,282-42.9% | $3,686-33.7% | $5,609-56.4% |
| Admin fee / account holder | $1,341 | $10,436-87.2% | $6,521-79.4% | $10,828-87.6% |