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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 | $25,987 | $167,522-84.5% | $151,639-82.9% | $134,532-80.7% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -18.53% | 7.81%-26.3pp | 3.34%-21.9pp | 418.27%-436.8pp |
| Employer contribution / active EE | $3,825 | $6,828-44.0% | $6,165-38.0% | $4,741-19.3% |
| Participant deferral / active EE | $7,015 | $8,986-21.9% | $8,363-16.1% | $6,401+9.6% |
| Admin fee / account holder | $2,040 | $13,780-85.2% | $11,613-82.4% | $11,429-82.2% |