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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 | $100,609 | $127,096-20.8% | $105,736-4.8% | $135,380-25.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 76.3%+23.7pp | 82.6%+17.4pp |
| Annual return | -6.98% | 4.49%-11.5pp | 6.27%-13.3pp | 519.81%-526.8pp |
| Employer contribution / active EE | $14,341 | $4,107+249.2% | $3,268+338.8% | $4,779+200.1% |
| Participant deferral / active EE | $11,234 | $5,064+121.8% | $4,080+175.4% | $5,609+100.3% |
| Admin fee / account holder | $4,175 | $9,087-54.1% | $6,913-39.6% | $10,828-61.4% |