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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 | $87,519 | $92,219-5.1% | $76,766+14.0% | $135,382-35.4% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -7.54% | 5.46%-13.0pp | 2.43%-10.0pp | 519.77%-527.3pp |
| Employer contribution / active EE | $6,802 | $3,216+111.5% | $2,485+173.7% | $4,779+42.3% |
| Participant deferral / active EE | $14,129 | $4,508+213.4% | $3,851+266.8% | $5,609+151.9% |
| Admin fee / account holder | $6,484 | $10,749-39.7% | $6,675-2.9% | $10,829-40.1% |