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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 | $62,704 | $167,353-62.5% | $143,797-56.4% | $134,545-53.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -3.96% | 0.48%-4.4pp | -0.04%-3.9pp | 418.37%-422.3pp |
| Employer contribution / active EE | $10,192 | $5,620+81.3% | $4,952+105.8% | $4,742+115.0% |
| Participant deferral / active EE | $9,723 | $6,447+50.8% | $5,638+72.4% | $6,401+51.9% |
| Admin fee / account holder | $1,235 | $18,096-93.2% | $14,679-91.6% | $11,431-89.2% |