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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 | $68,883 | $97,020-29.0% | $83,327-17.3% | $135,380-49.1% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -9.14% | 12.31%-21.5pp | 10.64%-19.8pp | 519.81%-528.9pp |
| Employer contribution / active EE | $4,136 | $4,144-0.2% | $3,379+22.4% | $4,779-13.5% |
| Participant deferral / active EE | $13,235 | $5,964+121.9% | $5,565+137.8% | $5,609+136.0% |
| Admin fee / account holder | $640 | $8,426-92.4% | $7,540-91.5% | $10,828-94.1% |