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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 | $115,932 | $106,551+8.8% | $91,225+27.1% | $134,532-13.8% |
| Participation rate | 100.0% | 76.8%+23.2pp | 73.2%+26.8pp | 81.2%+18.8pp |
| Annual return | -17.37% | 160.78%-178.1pp | 114.12%-131.5pp | 418.27%-435.6pp |
| Employer contribution / active EE | $29,407 | $3,331+782.7% | $2,851+931.5% | $4,741+520.3% |
| Participant deferral / active EE | $11,953 | $4,718+153.3% | $4,233+182.4% | $6,401+86.7% |
| Admin fee / account holder | $340 | $6,234-94.6% | $5,422-93.7% | $11,429-97.0% |