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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 | $93,466 | $92,219+1.4% | $76,767+21.8% | $135,380-31.0% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -6.74% | 5.46%-12.2pp | 2.43%-9.2pp | 519.81%-526.5pp |
| Employer contribution / active EE | $4,021 | $3,216+25.0% | $2,485+61.8% | $4,779-15.9% |
| Participant deferral / active EE | $9,840 | $4,508+118.3% | $3,852+155.5% | $5,609+75.4% |
| Admin fee / account holder | $7,575 | $10,749-29.5% | $6,675+13.5% | $10,828-30.0% |