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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 | $43,188 | $167,352-74.2% | $143,788-70.0% | $134,509-67.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -18.78% | 0.47%-19.3pp | -0.03%-18.8pp | 418.13%-436.9pp |
| Employer contribution / active EE | $45,071 | $5,620+702.0% | $4,952+810.2% | $4,741+850.8% |
| Participant deferral / active EE | $23,950 | $6,447+271.5% | $5,638+324.8% | $6,400+274.2% |
| Admin fee / account holder | $420 | $18,091-97.7% | $14,675-97.1% | $11,427-96.3% |