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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 | $29,583 | $158,852-81.4% | $121,220-75.6% | $135,380-78.1% |
| Participation rate | 100.0% | 79.3%+20.7pp | 71.8%+28.2pp | 82.6%+17.4pp |
| Annual return | -8.25% | -0.64%-7.6pp | 16.94%-25.2pp | 519.81%-528.1pp |
| Employer contribution / active EE | $7,741 | $5,666+36.6% | $4,023+92.4% | $4,779+62.0% |
| Participant deferral / active EE | $4,649 | $4,006+16.1% | $3,345+39.0% | $5,609-17.1% |
| Admin fee / account holder | $1,623 | $6,515-75.1% | $5,021-67.7% | $10,828-85.0% |