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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 | $134,953 | $64,719+108.5% | $112,249+20.2% | $68,486+97.1% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.1%+24.9pp | 67.9%+32.1pp |
| Annual return | -17.44% | -11.40%-6.0pp | 27.48%-44.9pp | -7.85%-9.6pp |
| Employer contribution / active EE | $3,918 | $2,747+42.6% | $3,636+7.7% | $2,597+50.9% |
| Participant deferral / active EE | $4,889 | $3,565+37.1% | $4,729+3.4% | $4,028+21.4% |
| Admin fee / account holder | $4,683 | $5,232-10.5% | $6,412-27.0% | $5,404-13.3% |