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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 | $89,730 | $100,811-11.0% | $86,698+3.5% | $134,545-33.3% |
| Participation rate | 100.0% | 79.0%+21.0pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -19.15% | 29.11%-48.3pp | 35.96%-55.1pp | 418.37%-437.5pp |
| Employer contribution / active EE | $3,722 | $3,490+6.6% | $2,837+31.2% | $4,742-21.5% |
| Participant deferral / active EE | $6,841 | $5,339+28.1% | $4,656+46.9% | $6,401+6.9% |
| Admin fee / account holder | $8,276 | $10,926-24.3% | $7,492+10.5% | $11,431-27.6% |