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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 | $67,066 | $100,811-33.5% | $86,698-22.6% | $134,545-50.2% |
| Participation rate | 100.0% | 79.0%+21.0pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -13.78% | 29.11%-42.9pp | 35.96%-49.7pp | 418.37%-432.1pp |
| Employer contribution / active EE | $4,376 | $3,490+25.4% | $2,837+54.3% | $4,742-7.7% |
| Participant deferral / active EE | $12,722 | $5,339+138.3% | $4,656+173.2% | $6,401+98.7% |
| Admin fee / account holder | $870 | $10,926-92.0% | $7,492-88.4% | $11,431-92.4% |