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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 | $26,024 | $167,362-84.5% | $143,799-81.9% | $134,532-80.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -10.13% | 0.47%-10.6pp | -0.04%-10.1pp | 418.27%-428.4pp |
| Employer contribution / active EE | $6,422 | $5,620+14.3% | $4,952+29.7% | $4,741+35.5% |
| Participant deferral / active EE | $6,791 | $6,447+5.3% | $5,638+20.4% | $6,401+6.1% |
| Admin fee / account holder | $1,122 | $18,094-93.8% | $14,677-92.4% | $11,429-90.2% |