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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 | $71,402 | $73,863-3.3% | $143,797-50.3% | $68,490+4.3% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -14.10% | 0.91%-15.0pp | -0.04%-14.1pp | -7.85%-6.2pp |
| Employer contribution / active EE | $7,806 | $3,185+145.1% | $4,952+57.6% | $2,597+200.6% |
| Participant deferral / active EE | $5,996 | $3,385+77.2% | $5,638+6.4% | $4,028+48.9% |
| Admin fee / account holder | $20,949 | $5,756+263.9% | $14,679+42.7% | $5,403+287.7% |