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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 | $83,432 | $167,533-50.2% | $151,645-45.0% | $134,545-38.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -14.09% | 7.81%-21.9pp | 3.34%-17.4pp | 418.37%-432.5pp |
| Employer contribution / active EE | $14,777 | $6,828+116.4% | $6,165+139.7% | $4,742+211.6% |
| Participant deferral / active EE | $10,022 | $8,985+11.5% | $8,363+19.8% | $6,401+56.6% |
| Admin fee / account holder | $2,525 | $13,781-81.7% | $11,614-78.3% | $11,431-77.9% |