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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 | $81,068 | $95,188-14.8% | $76,518+5.9% | $135,380-40.1% |
| Participation rate | 94.4% | 74.4%+20.1pp | 68.0%+26.4pp | 82.6%+11.8pp |
| Annual return | -6.89% | 4.85%-11.7pp | -0.27%-6.6pp | 519.81%-526.7pp |
| Employer contribution / active EE | $12,447 | $3,303+276.9% | $2,647+370.2% | $4,779+160.5% |
| Participant deferral / active EE | $8,351 | $4,640+80.0% | $3,836+117.7% | $5,609+48.9% |
| Admin fee / account holder | $2,495 | $6,249-60.1% | $4,849-48.5% | $10,828-77.0% |