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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 | $90,463 | $97,020-6.8% | $83,327+8.6% | $135,380-33.2% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -6.05% | 12.31%-18.4pp | 10.64%-16.7pp | 519.81%-525.9pp |
| Employer contribution / active EE | $12,342 | $4,144+197.9% | $3,379+265.3% | $4,779+158.3% |
| Participant deferral / active EE | $14,833 | $5,964+148.7% | $5,565+166.5% | $5,609+164.4% |
| Admin fee / account holder | $729 | $8,426-91.3% | $7,540-90.3% | $10,828-93.3% |