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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 | $97,856 | $158,852-38.4% | $121,220-19.3% | $135,380-27.7% |
| Participation rate | 85.7% | 79.3%+6.4pp | 71.8%+14.0pp | 82.6%+3.1pp |
| Annual return | -7.01% | -0.64%-6.4pp | 16.94%-23.9pp | 519.81%-526.8pp |
| Employer contribution / active EE | $9,719 | $5,666+71.5% | $4,023+141.6% | $4,779+103.4% |
| Participant deferral / active EE | $11,043 | $4,006+175.7% | $3,345+230.1% | $5,609+96.9% |
| Admin fee / account holder | $4,235 | $6,515-35.0% | $5,021-15.7% | $10,828-60.9% |