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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 | $125,881 | $99,032+27.1% | $80,022+57.3% | $135,380-7.0% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -5.21% | 15.39%-20.6pp | 11.22%-16.4pp | 519.81%-525.0pp |
| Employer contribution / active EE | $21,665 | $3,043+611.9% | $2,468+777.8% | $4,779+353.4% |
| Participant deferral / active EE | $10,507 | $4,282+145.4% | $3,686+185.1% | $5,609+87.3% |
| Admin fee / account holder | $4,398 | $10,436-57.9% | $6,521-32.6% | $10,828-59.4% |