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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 | $74,476 | $59,116+26.0% | $86,438-13.8% | $68,486+8.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -15.46% | -0.23%-15.2pp | 4397.19%-4412.7pp | -7.85%-7.6pp |
| Employer contribution / active EE | $2,681 | $2,519+6.4% | $3,769-28.9% | $2,597+3.3% |
| Participant deferral / active EE | $4,267 | $5,902-27.7% | $6,952-38.6% | $4,028+6.0% |
| Admin fee / account holder | $23,559 | $5,639+317.8% | $6,733+249.9% | $5,404+336.0% |