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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 | $118,875 | $95,188+24.9% | $76,518+55.4% | $135,379-12.2% |
| Participation rate | 93.3% | 74.4%+18.9pp | 68.0%+25.3pp | 82.6%+10.7pp |
| Annual return | -8.36% | 4.85%-13.2pp | -0.27%-8.1pp | 519.79%-528.1pp |
| Employer contribution / active EE | $12,938 | $3,303+291.8% | $2,647+388.7% | $4,779+170.7% |
| Participant deferral / active EE | $10,423 | $4,640+124.7% | $3,836+171.7% | $5,609+85.8% |
| Admin fee / account holder | $1,073 | $6,249-82.8% | $4,849-77.9% | $10,828-90.1% |