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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 | $78,495 | $87,546-10.3% | $75,784+3.6% | $125,389-37.4% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -1.82% | 13.49%-15.3pp | 9.68%-11.5pp | 282.24%-284.1pp |
| Employer contribution / active EE | $10,000 | $3,930+154.4% | $3,323+200.9% | $4,866+105.5% |
| Participant deferral / active EE | $9,975 | $4,230+135.8% | $3,652+173.2% | $5,352+86.4% |
| Admin fee / account holder | $352 | $6,503-94.6% | $5,300-93.4% | $9,541-96.3% |