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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 | $109,909 | $167,504-34.4% | $151,628-27.5% | $134,509-18.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -9.20% | 7.81%-17.0pp | 3.34%-12.5pp | 418.13%-427.3pp |
| Employer contribution / active EE | $17,711 | $6,828+159.4% | $6,165+187.3% | $4,741+273.6% |
| Participant deferral / active EE | $9,023 | $8,985+0.4% | $8,363+7.9% | $6,400+41.0% |
| Admin fee / account holder | $595 | $13,779-95.7% | $11,613-94.9% | $11,427-94.8% |