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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 | $187,843 | $95,188+97.3% | $76,518+145.5% | $135,379+38.8% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -10.18% | 4.85%-15.0pp | -0.27%-9.9pp | 519.79%-530.0pp |
| Employer contribution / active EE | $5,656 | $3,303+71.3% | $2,647+113.7% | $4,779+18.4% |
| Participant deferral / active EE | $19,532 | $4,640+321.0% | $3,836+409.2% | $5,609+248.2% |
| Admin fee / account holder | $1,402 | $6,249-77.6% | $4,849-71.1% | $10,828-87.1% |