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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 | $82,690 | $167,353-50.6% | $143,797-42.5% | $134,545-38.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -14.29% | 0.48%-14.8pp | -0.04%-14.2pp | 418.37%-432.7pp |
| Employer contribution / active EE | $9,042 | $5,620+60.9% | $4,952+82.6% | $4,742+90.7% |
| Participant deferral / active EE | $4,401 | $6,447-31.7% | $5,638-22.0% | $6,401-31.3% |
| Admin fee / account holder | $2,656 | $18,096-85.3% | $14,679-81.9% | $11,431-76.8% |