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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 | $86,486 | $211,946-59.2% | $169,452-49.0% | $135,382-36.1% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -7.11% | 3.26%-10.4pp | 1.83%-8.9pp | 519.77%-526.9pp |
| Employer contribution / active EE | $12,233 | $5,117+139.1% | $4,157+194.3% | $4,779+156.0% |
| Participant deferral / active EE | $10,072 | $6,075+65.8% | $5,277+90.9% | $5,609+79.6% |
| Admin fee / account holder | $4,544 | $11,472-60.4% | $9,110-50.1% | $10,829-58.0% |