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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 | $85,551 | $211,946-59.6% | $169,452-49.5% | $135,379-36.8% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -8.63% | 3.26%-11.9pp | 1.83%-10.5pp | 519.79%-528.4pp |
| Employer contribution / active EE | $1,000 | $5,117-80.5% | $4,157-75.9% | $4,779-79.1% |
| Participant deferral / active EE | $12,250 | $6,075+101.6% | $5,277+132.1% | $5,609+118.4% |
| Admin fee / account holder | $4,339 | $11,472-62.2% | $9,110-52.4% | $10,828-59.9% |