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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 | $91,317 | $99,644-8.4% | $86,438+5.6% | $134,532-32.1% |
| Participation rate | 100.0% | 82.1%+17.9pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -5.24% | 6787.26%-6792.5pp | 4397.19%-4402.4pp | 418.27%-423.5pp |
| Employer contribution / active EE | $13,890 | $4,402+215.5% | $3,769+268.5% | $4,741+193.0% |
| Participant deferral / active EE | $4,907 | $7,247-32.3% | $6,952-29.4% | $6,401-23.3% |
| Admin fee / account holder | $372 | $8,375-95.6% | $6,733-94.5% | $11,429-96.7% |