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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 | $107,277 | $92,219+16.3% | $76,767+39.7% | $135,380-20.8% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -4.98% | 5.46%-10.4pp | 2.43%-7.4pp | 519.81%-524.8pp |
| Employer contribution / active EE | $3,720 | $3,216+15.7% | $2,485+49.7% | $4,779-22.2% |
| Participant deferral / active EE | $8,100 | $4,508+79.7% | $3,852+110.3% | $5,609+44.4% |
| Admin fee / account holder | $1,365 | $10,749-87.3% | $6,675-79.5% | $10,828-87.4% |