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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 | $87,654 | $127,387-31.2% | $115,038-23.8% | $125,389-30.1% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -1.20% | 31.28%-32.5pp | 26.14%-27.3pp | 282.24%-283.4pp |
| Employer contribution / active EE | $2,187 | $5,166-57.7% | $4,608-52.5% | $4,866-55.0% |
| Participant deferral / active EE | $5,305 | $6,423-17.4% | $6,026-12.0% | $5,352-0.9% |
| Admin fee / account holder | $321 | $9,516-96.6% | $8,175-96.1% | $9,541-96.6% |