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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 | $113,761 | $133,981-15.1% | $112,249+1.3% | $134,532-15.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -19.45% | 47.16%-66.6pp | 27.48%-46.9pp | 418.27%-437.7pp |
| Employer contribution / active EE | $18,814 | $4,040+365.7% | $3,636+417.4% | $4,741+296.8% |
| Participant deferral / active EE | $16,715 | $5,292+215.9% | $4,729+253.5% | $6,401+161.1% |
| Admin fee / account holder | $1,427 | $7,492-81.0% | $6,412-77.8% | $11,429-87.5% |