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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 | $85,290 | $95,915-11.1% | $79,580+7.2% | $134,532-36.6% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -16.23% | -2.71%-13.5pp | 0.15%-16.4pp | 418.27%-434.5pp |
| Employer contribution / active EE | $2,145 | $3,129-31.4% | $2,413-11.1% | $4,741-54.8% |
| Participant deferral / active EE | $15,000 | $4,693+219.6% | $3,985+276.4% | $6,401+134.3% |
| Admin fee / account holder | $320 | $9,132-96.5% | $6,835-95.3% | $11,429-97.2% |