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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 | $207,412 | $142,409+45.6% | $119,634+73.4% | $134,545+54.2% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -17.32% | -12.46%-4.9pp | -14.98%-2.3pp | 418.37%-435.7pp |
| Employer contribution / active EE | $3,152 | $5,224-39.7% | $4,232-25.5% | $4,742-33.5% |
| Participant deferral / active EE | $12,536 | $6,468+93.8% | $5,601+123.8% | $6,401+95.8% |
| Admin fee / account holder | $10,129 | $13,594-25.5% | $10,329-1.9% | $11,431-11.4% |