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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 | $100,117 | $113,941-12.1% | $94,229+6.2% | $125,389-20.2% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -1.91% | 5.29%-7.2pp | 10.68%-12.6pp | 282.24%-284.1pp |
| Employer contribution / active EE | $9,524 | $4,727+101.5% | $3,587+165.5% | $4,866+95.7% |
| Participant deferral / active EE | $4,757 | $5,179-8.2% | $4,320+10.1% | $5,352-11.1% |
| Admin fee / account holder | $985 | $8,392-88.3% | $6,269-84.3% | $9,541-89.7% |