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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 | $109,978 | $158,852-30.8% | $121,220-9.3% | $135,380-18.8% |
| Participation rate | 100.0% | 79.3%+20.7pp | 71.8%+28.2pp | 82.6%+17.4pp |
| Annual return | -9.31% | -0.64%-8.7pp | 16.94%-26.3pp | 519.81%-529.1pp |
| Employer contribution / active EE | $16,251 | $5,666+186.8% | $4,023+304.0% | $4,779+240.0% |
| Participant deferral / active EE | $10,589 | $4,006+164.4% | $3,345+216.5% | $5,609+88.8% |
| Admin fee / account holder | $924 | $6,515-85.8% | $5,021-81.6% | $10,828-91.5% |