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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 | $89,619 | $167,533-46.5% | $151,645-40.9% | $134,545-33.4% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -19.09% | 7.81%-26.9pp | 3.34%-22.4pp | 418.37%-437.5pp |
| Employer contribution / active EE | $18,999 | $6,828+178.2% | $6,165+208.2% | $4,742+300.7% |
| Participant deferral / active EE | $18,533 | $8,985+106.3% | $8,363+121.6% | $6,401+189.5% |
| Admin fee / account holder | $669 | $13,781-95.1% | $11,614-94.2% | $11,431-94.1% |