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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 | $40,220 | $82,324-51.1% | $68,803-41.5% | $134,545-70.1% |
| Participation rate | 100.0% | 75.1%+24.9pp | 69.0%+31.0pp | 81.2%+18.8pp |
| Annual return | -11.14% | -2.17%-9.0pp | -6.37%-4.8pp | 418.37%-429.5pp |
| Employer contribution / active EE | $10,025 | $3,302+203.6% | $2,656+277.5% | $4,742+111.4% |
| Participant deferral / active EE | $4,464 | $4,740-5.8% | $3,942+13.2% | $6,401-30.3% |
| Admin fee / account holder | $395 | $6,485-93.9% | $4,936-92.0% | $11,431-96.5% |