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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 | $73,837 | $95,193-22.4% | $76,523-3.5% | $135,382-45.5% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -4.58% | 4.85%-9.4pp | -0.27%-4.3pp | 519.77%-524.4pp |
| Employer contribution / active EE | $15,094 | $3,302+357.1% | $2,647+470.2% | $4,779+215.9% |
| Participant deferral / active EE | $9,884 | $4,639+113.1% | $3,835+157.7% | $5,609+76.2% |
| Admin fee / account holder | $450 | $6,249-92.8% | $4,848-90.7% | $10,829-95.8% |