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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 | $96,861 | $167,533-42.2% | $151,645-36.1% | $134,545-28.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -18.26% | 7.81%-26.1pp | 3.34%-21.6pp | 418.37%-436.6pp |
| Employer contribution / active EE | $13,957 | $6,828+104.4% | $6,165+126.4% | $4,742+194.4% |
| Participant deferral / active EE | $12,044 | $8,985+34.0% | $8,363+44.0% | $6,401+88.2% |
| Admin fee / account holder | $1,096 | $13,781-92.0% | $11,614-90.6% | $11,431-90.4% |