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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 | $114,347 | $167,353-31.7% | $143,797-20.5% | $134,545-15.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -18.51% | 0.48%-19.0pp | -0.04%-18.5pp | 418.37%-436.9pp |
| Employer contribution / active EE | $9,485 | $5,620+68.8% | $4,952+91.5% | $4,742+100.0% |
| Participant deferral / active EE | $6,030 | $6,447-6.5% | $5,638+6.9% | $6,401-5.8% |
| Admin fee / account holder | $6,863 | $18,096-62.1% | $14,679-53.2% | $11,431-40.0% |