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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 | $58,254 | $95,915-39.3% | $79,580-26.8% | $134,532-56.7% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -15.46% | -2.71%-12.7pp | 0.15%-15.6pp | 418.27%-433.7pp |
| Employer contribution / active EE | $1,512 | $3,129-51.7% | $2,413-37.4% | $4,741-68.1% |
| Participant deferral / active EE | $14,317 | $4,693+205.0% | $3,985+259.2% | $6,401+123.7% |
| Admin fee / account holder | $464 | $9,132-94.9% | $6,835-93.2% | $11,429-95.9% |