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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 | $81,123 | $82,674-1.9% | $125,381-35.3% | $68,486+18.5% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.4%+17.6pp | 67.9%+32.1pp |
| Annual return | -18.11% | -5.97%-12.1pp | 572.31%-590.4pp | -7.85%-10.3pp |
| Employer contribution / active EE | $10,015 | $3,382+196.1% | $4,815+108.0% | $2,597+285.7% |
| Participant deferral / active EE | $14,328 | $6,111+134.5% | $7,448+92.4% | $4,028+255.7% |
| Admin fee / account holder | $4,099 | $6,277-34.7% | $10,007-59.0% | $5,404-24.1% |