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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 | $120,427 | $77,817+54.8% | $123,553-2.5% | $64,173+87.7% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -3.78% | 12.49%-16.3pp | 119.21%-123.0pp | 7.63%-11.4pp |
| Employer contribution / active EE | $5,749 | $3,014+90.7% | $4,628+24.2% | $2,381+141.5% |
| Participant deferral / active EE | $12,203 | $5,240+132.9% | $6,426+89.9% | $3,470+251.7% |
| Admin fee / account holder | $17,365 | $5,519+214.6% | $9,284+87.0% | $4,887+255.3% |