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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 | $127,589 | $72,177+76.8% | $115,037+10.9% | $59,632+114.0% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -1.40% | 12.02%-13.4pp | 26.14%-27.5pp | 2041.32%-2042.7pp |
| Employer contribution / active EE | $7,894 | $2,841+177.8% | $4,608+71.3% | $2,203+258.4% |
| Participant deferral / active EE | $8,137 | $4,783+70.1% | $6,026+35.0% | $3,192+154.9% |
| Admin fee / account holder | $809 | $4,927-83.6% | $8,175-90.1% | $4,297-81.2% |