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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 | $117,837 | $99,032+19.0% | $80,022+47.3% | $135,380-13.0% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -5.79% | 15.39%-21.2pp | 11.22%-17.0pp | 519.81%-525.6pp |
| Employer contribution / active EE | $6,080 | $3,043+99.8% | $2,468+146.3% | $4,779+27.2% |
| Participant deferral / active EE | $6,879 | $4,282+60.6% | $3,686+86.6% | $5,609+22.6% |
| Admin fee / account holder | $4,197 | $10,436-59.8% | $6,521-35.6% | $10,828-61.2% |