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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 | $86,290 | $92,219-6.4% | $76,767+12.4% | $135,380-36.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -4.28% | 5.46%-9.7pp | 2.43%-6.7pp | 519.81%-524.1pp |
| Employer contribution / active EE | $2,592 | $3,216-19.4% | $2,485+4.3% | $4,779-45.8% |
| Participant deferral / active EE | $7,440 | $4,508+65.0% | $3,852+93.2% | $5,609+32.6% |
| Admin fee / account holder | $390 | $10,749-96.4% | $6,675-94.2% | $10,828-96.4% |