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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 | $114,761 | $133,998-14.4% | $112,263+2.2% | $134,545-14.7% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -8.67% | 47.17%-55.8pp | 27.49%-36.2pp | 418.37%-427.0pp |
| Employer contribution / active EE | $11,738 | $4,040+190.5% | $3,636+222.8% | $4,742+147.6% |
| Participant deferral / active EE | $1,601 | $5,292-69.8% | $4,729-66.2% | $6,401-75.0% |
| Admin fee / account holder | $450 | $7,493-94.0% | $6,410-93.0% | $11,431-96.1% |