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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 | $203,406 | $167,353+21.5% | $143,797+41.5% | $134,545+51.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -18.35% | 0.48%-18.8pp | -0.04%-18.3pp | 418.37%-436.7pp |
| Employer contribution / active EE | $3,795 | $5,620-32.5% | $4,952-23.4% | $4,742-20.0% |
| Participant deferral / active EE | $15,248 | $6,447+136.5% | $5,638+170.4% | $6,401+138.2% |
| Admin fee / account holder | $1,040 | $18,096-94.3% | $14,679-92.9% | $11,431-90.9% |