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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 | $56,886 | $100,811-43.6% | $86,698-34.4% | $134,545-57.7% |
| Participation rate | 100.0% | 79.0%+21.0pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -2.95% | 29.11%-32.1pp | 35.96%-38.9pp | 418.37%-421.3pp |
| Employer contribution / active EE | $18,051 | $3,490+417.2% | $2,837+536.3% | $4,742+280.7% |
| Participant deferral / active EE | $23,203 | $5,339+334.6% | $4,656+398.3% | $6,401+262.5% |
| Admin fee / account holder | $419 | $10,926-96.2% | $7,492-94.4% | $11,431-96.3% |