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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 | $89,427 | $83,908+6.6% | $68,509+30.5% | $125,389-28.7% |
| Participation rate | 100.0% | 78.2%+21.8pp | 74.7%+25.3pp | 83.2%+16.8pp |
| Annual return | -1.36% | 14.48%-15.8pp | 8.27%-9.6pp | 282.24%-283.6pp |
| Employer contribution / active EE | $4,793 | $3,031+58.1% | $2,278+110.4% | $4,866-1.5% |
| Participant deferral / active EE | $7,177 | $4,125+74.0% | $3,382+112.2% | $5,352+34.1% |
| Admin fee / account holder | $381 | $8,982-95.8% | $5,275-92.8% | $9,541-96.0% |