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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 | $79,521 | $167,362-52.5% | $143,799-44.7% | $134,532-40.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -19.41% | 0.47%-19.9pp | -0.04%-19.4pp | 418.27%-437.7pp |
| Employer contribution / active EE | $9,201 | $5,620+63.7% | $4,952+85.8% | $4,741+94.1% |
| Participant deferral / active EE | $6,590 | $6,447+2.2% | $5,638+16.9% | $6,401+2.9% |
| Admin fee / account holder | $1,182 | $18,094-93.5% | $14,677-92.0% | $11,429-89.7% |