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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 | $81,456 | $167,353-51.3% | $143,797-43.4% | $134,545-39.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -12.99% | 0.48%-13.5pp | -0.04%-13.0pp | 418.37%-431.4pp |
| Employer contribution / active EE | $7,760 | $5,620+38.1% | $4,952+56.7% | $4,742+63.7% |
| Participant deferral / active EE | $4,377 | $6,447-32.1% | $5,638-22.4% | $6,401-31.6% |
| Admin fee / account holder | $613 | $18,096-96.6% | $14,679-95.8% | $11,431-94.6% |