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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 | $108,595 | $167,353-35.1% | $143,797-24.5% | $134,545-19.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -20.07% | 0.48%-20.6pp | -0.04%-20.0pp | 418.37%-438.4pp |
| Employer contribution / active EE | $10,280 | $5,620+82.9% | $4,952+107.6% | $4,742+116.8% |
| Participant deferral / active EE | $8,471 | $6,447+31.4% | $5,638+50.2% | $6,401+32.3% |
| Admin fee / account holder | $2,430 | $18,096-86.6% | $14,679-83.4% | $11,431-78.7% |