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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 | $123,755 | $99,032+25.0% | $80,022+54.7% | $135,379-8.6% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -4.58% | 15.39%-20.0pp | 11.22%-15.8pp | 519.79%-524.4pp |
| Employer contribution / active EE | $20,051 | $3,043+558.8% | $2,468+712.4% | $4,779+319.6% |
| Participant deferral / active EE | $12,490 | $4,282+191.7% | $3,686+238.9% | $5,609+122.7% |
| Admin fee / account holder | $315 | $10,436-97.0% | $6,521-95.2% | $10,828-97.1% |