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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 | $61,132 | $82,288-25.7% | $68,794-11.1% | $134,509-54.6% |
| Participation rate | 100.0% | 75.1%+24.9pp | 69.0%+31.0pp | 81.2%+18.8pp |
| Annual return | -13.15% | -2.19%-11.0pp | -6.37%-6.8pp | 418.13%-431.3pp |
| Employer contribution / active EE | $13,587 | $3,301+311.6% | $2,656+411.6% | $4,741+186.6% |
| Participant deferral / active EE | $4,546 | $4,738-4.1% | $3,941+15.3% | $6,400-29.0% |
| Admin fee / account holder | $510 | $6,482-92.1% | $4,934-89.7% | $11,427-95.5% |