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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 | $54,132 | $95,188-43.1% | $76,518-29.3% | $135,380-60.0% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -8.73% | 4.85%-13.6pp | -0.27%-8.5pp | 519.81%-528.5pp |
| Employer contribution / active EE | $8,532 | $3,303+158.3% | $2,647+222.3% | $4,779+78.5% |
| Participant deferral / active EE | $9,488 | $4,640+104.5% | $3,836+147.3% | $5,609+69.2% |
| Admin fee / account holder | $1,569 | $6,249-74.9% | $4,849-67.6% | $10,828-85.5% |