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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 | $84,667 | $95,915-11.7% | $79,580+6.4% | $134,532-37.1% |
| Participation rate | 83.3% | 75.0%+8.3pp | 69.5%+13.8pp | 81.2%+2.1pp |
| Annual return | -11.32% | -2.71%-8.6pp | 0.15%-11.5pp | 418.27%-429.6pp |
| Employer contribution / active EE | $4,979 | $3,129+59.1% | $2,413+106.3% | $4,741+5.0% |
| Participant deferral / active EE | $7,707 | $4,693+64.2% | $3,985+93.4% | $6,401+20.4% |
| Admin fee / account holder | $64,404 | $9,132+605.3% | $6,835+842.3% | $11,429+463.5% |