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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 | $77,757 | $167,353-53.5% | $143,797-45.9% | $134,545-42.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -9.60% | 0.48%-10.1pp | -0.04%-9.6pp | 418.37%-428.0pp |
| Employer contribution / active EE | $9,073 | $5,620+61.4% | $4,952+83.2% | $4,742+91.4% |
| Participant deferral / active EE | $3,139 | $6,447-51.3% | $5,638-44.3% | $6,401-51.0% |
| Admin fee / account holder | $8,920 | $18,096-50.7% | $14,679-39.2% | $11,431-22.0% |