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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 | $80,662 | $95,917-15.9% | $79,583+1.4% | $134,545-40.0% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -16.15% | -2.70%-13.4pp | 0.16%-16.3pp | 418.37%-434.5pp |
| Employer contribution / active EE | $14,246 | $3,129+355.3% | $2,414+490.2% | $4,742+200.5% |
| Participant deferral / active EE | $22,667 | $4,694+382.9% | $3,986+468.7% | $6,401+254.1% |
| Admin fee / account holder | $583 | $9,132-93.6% | $6,835-91.5% | $11,431-94.9% |