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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 | $156,732 | $52,678+197.5% | $75,784+106.8% | $59,633+162.8% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.8%+24.2pp | 68.7%+31.3pp |
| Annual return | -2.45% | 2.95%-5.4pp | 9.68%-12.1pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $4,664 | $2,193+112.7% | $3,323+40.4% | $2,203+111.8% |
| Participant deferral / active EE | $12,039 | $2,591+364.7% | $3,652+229.7% | $3,192+277.2% |
| Admin fee / account holder | $5,019 | $3,610+39.0% | $5,300-5.3% | $4,297+16.8% |