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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 | $114,728 | $211,946-45.9% | $169,452-32.3% | $135,380-15.3% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -3.17% | 3.26%-6.4pp | 1.83%-5.0pp | 519.81%-523.0pp |
| Employer contribution / active EE | $8,666 | $5,117+69.4% | $4,157+108.5% | $4,779+81.3% |
| Participant deferral / active EE | $7,723 | $6,075+27.1% | $5,277+46.3% | $5,609+37.7% |
| Admin fee / account holder | $3,235 | $11,472-71.8% | $9,110-64.5% | $10,828-70.1% |