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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 | $192,379 | $86,701+121.9% | $73,309+162.4% | $125,389+53.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 74.9%+25.1pp | 83.2%+16.8pp |
| Annual return | -0.11% | 2.78%-2.9pp | 5.67%-5.8pp | 282.24%-282.4pp |
| Employer contribution / active EE | $2,960 | $4,152-28.7% | $3,237-8.6% | $4,866-39.2% |
| Participant deferral / active EE | $8,617 | $5,549+55.3% | $4,991+72.6% | $5,352+61.0% |
| Admin fee / account holder | $23,280 | $7,768+199.7% | $5,635+313.1% | $9,541+144.0% |