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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 | $123,685 | $97,881+26.4% | $80,004+54.6% | $125,389-1.4% |
| Participation rate | 84.2% | 77.9%+6.3pp | 73.0%+11.2pp | 83.2%+1.0pp |
| Annual return | -1.05% | 9.36%-10.4pp | 7.63%-8.7pp | 282.24%-283.3pp |
| Employer contribution / active EE | $9,830 | $3,128+214.3% | $2,473+297.6% | $4,866+102.0% |
| Participant deferral / active EE | $8,025 | $3,744+114.3% | $3,204+150.5% | $5,352+50.0% |
| Admin fee / account holder | $17,644 | $6,278+181.1% | $5,033+250.5% | $9,541+84.9% |