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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 | $134,305 | $64,729+107.5% | $112,263+19.6% | $68,490+96.1% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.1%+24.9pp | 67.9%+32.1pp |
| Annual return | -16.52% | -11.40%-5.1pp | 27.49%-44.0pp | -7.85%-8.7pp |
| Employer contribution / active EE | $12,379 | $2,746+350.8% | $3,636+240.4% | $2,597+376.7% |
| Participant deferral / active EE | $5,088 | $3,566+42.7% | $4,729+7.6% | $4,028+26.3% |
| Admin fee / account holder | $11,077 | $5,222+112.1% | $6,410+72.8% | $5,403+105.0% |