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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 | $70,777 | $175,600-59.7% | $129,110-45.2% | $134,509-47.4% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.3%+22.7pp | 81.2%+18.8pp |
| Annual return | -18.13% | -11.39%-6.7pp | -10.94%-7.2pp | 418.13%-436.3pp |
| Employer contribution / active EE | $1,972 | $6,355-69.0% | $5,052-61.0% | $4,741-58.4% |
| Participant deferral / active EE | $8,600 | $7,975+7.8% | $6,542+31.5% | $6,400+34.4% |
| Admin fee / account holder | $44,186 | $23,567+87.5% | $14,302+209.0% | $11,427+286.7% |