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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 | $79,224 | $100,811-21.4% | $86,698-8.6% | $134,545-41.1% |
| Participation rate | 100.0% | 79.0%+21.0pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -6.20% | 29.11%-35.3pp | 35.96%-42.2pp | 418.37%-424.6pp |
| Employer contribution / active EE | $13,479 | $3,490+286.2% | $2,837+375.1% | $4,742+184.3% |
| Participant deferral / active EE | $14,526 | $5,339+172.0% | $4,656+212.0% | $6,401+126.9% |
| Admin fee / account holder | $621 | $10,926-94.3% | $7,492-91.7% | $11,431-94.6% |