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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 | $71,693 | $127,387-43.7% | $115,038-37.7% | $125,389-42.8% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -1.98% | 31.28%-33.3pp | 26.14%-28.1pp | 282.24%-284.2pp |
| Employer contribution / active EE | $22,126 | $5,166+328.3% | $4,608+380.2% | $4,866+354.7% |
| Participant deferral / active EE | $11,740 | $6,423+82.8% | $6,026+94.8% | $5,352+119.4% |
| Admin fee / account holder | $5,096 | $9,516-46.5% | $8,175-37.7% | $9,541-46.6% |