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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 | $91,658 | $92,219-0.6% | $76,767+19.4% | $135,380-32.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -4.79% | 5.46%-10.2pp | 2.43%-7.2pp | 519.81%-524.6pp |
| Employer contribution / active EE | $3,760 | $3,216+16.9% | $2,485+51.3% | $4,779-21.3% |
| Participant deferral / active EE | $5,033 | $4,508+11.6% | $3,852+30.7% | $5,609-10.3% |
| Admin fee / account holder | $1,676 | $10,749-84.4% | $6,675-74.9% | $10,828-84.5% |