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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 | $91,489 | $211,946-56.8% | $169,452-46.0% | $135,380-32.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -8.98% | 3.26%-12.2pp | 1.83%-10.8pp | 519.81%-528.8pp |
| Employer contribution / active EE | $5,203 | $5,117+1.7% | $4,157+25.2% | $4,779+8.9% |
| Participant deferral / active EE | $16,823 | $6,075+176.9% | $5,277+218.8% | $5,609+199.9% |
| Admin fee / account holder | $2,041 | $11,472-82.2% | $9,110-77.6% | $10,828-81.1% |