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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 | $142,434 | $72,177+97.3% | $115,038+23.8% | $59,633+138.9% |
| Participation rate | 72.1% | 72.6%-0.5pp | 81.4%-9.3pp | 68.7%+3.4pp |
| Annual return | -1.76% | 12.02%-13.8pp | 26.14%-27.9pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $12,008 | $2,841+322.6% | $4,608+160.6% | $2,203+445.2% |
| Participant deferral / active EE | $10,223 | $4,783+113.7% | $6,026+69.6% | $3,192+220.3% |
| Admin fee / account holder | $16,930 | $4,927+243.6% | $8,175+107.1% | $4,297+294.0% |