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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 | $146,449 | $211,946-30.9% | $169,452-13.6% | $135,379+8.2% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -8.62% | 3.26%-11.9pp | 1.83%-10.5pp | 519.79%-528.4pp |
| Employer contribution / active EE | $18,895 | $5,117+269.3% | $4,157+354.5% | $4,779+295.4% |
| Participant deferral / active EE | $12,250 | $6,075+101.6% | $5,277+132.1% | $5,609+118.4% |
| Admin fee / account holder | $1,527 | $11,472-86.7% | $9,110-83.2% | $10,828-85.9% |