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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 | $19,018 | $90,467-79.0% | $93,759-79.7% | $134,509-85.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 81.0%+19.0pp | 81.2%+18.8pp |
| Annual return | -14.89% | -15.72%+0.8pp | -11.33%-3.6pp | 418.13%-433.0pp |
| Employer contribution / active EE | $6,834 | $4,345+57.3% | $4,324+58.0% | $4,741+44.2% |
| Participant deferral / active EE | $12,296 | $5,980+105.6% | $6,096+101.7% | $6,400+92.1% |
| Admin fee / account holder | $7,935 | $9,258-14.3% | $7,197+10.2% | $11,427-30.6% |