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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 | $75,278 | $95,867-21.5% | $79,551-5.4% | $134,493-44.0% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -13.55% | -2.73%-10.8pp | 0.14%-13.7pp | 418.01%-431.6pp |
| Employer contribution / active EE | $8,457 | $3,128+170.4% | $2,413+250.5% | $4,740+78.4% |
| Participant deferral / active EE | $6,876 | $4,692+46.6% | $3,985+72.6% | $6,400+7.4% |
| Admin fee / account holder | $1,187 | $9,127-87.0% | $6,833-82.6% | $11,425-89.6% |