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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 | $64,250 | $113,941-43.6% | $94,229-31.8% | $125,389-48.8% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -3.06% | 5.29%-8.3pp | 10.68%-13.7pp | 282.24%-285.3pp |
| Employer contribution / active EE | $12,386 | $4,727+162.0% | $3,587+245.3% | $4,866+154.5% |
| Participant deferral / active EE | $7,836 | $5,179+51.3% | $4,320+81.4% | $5,352+46.4% |
| Admin fee / account holder | $705 | $8,392-91.6% | $6,269-88.8% | $9,541-92.6% |