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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 | $80,953 | $95,915-15.6% | $79,580+1.7% | $134,532-39.8% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -19.97% | -2.71%-17.3pp | 0.15%-20.1pp | 418.27%-438.2pp |
| Employer contribution / active EE | $2,392 | $3,129-23.6% | $2,413-0.9% | $4,741-49.6% |
| Participant deferral / active EE | $8,553 | $4,693+82.2% | $3,985+114.6% | $6,401+33.6% |
| Admin fee / account holder | $2,475 | $9,132-72.9% | $6,835-63.8% | $11,429-78.3% |