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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 | $98,913 | $92,219+7.3% | $76,767+28.8% | $135,380-26.9% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -4.02% | 5.46%-9.5pp | 2.43%-6.5pp | 519.81%-523.8pp |
| Employer contribution / active EE | $2,468 | $3,216-23.3% | $2,485-0.7% | $4,779-48.4% |
| Participant deferral / active EE | $6,864 | $4,508+52.2% | $3,852+78.2% | $5,609+22.4% |
| Admin fee / account holder | $536 | $10,749-95.0% | $6,675-92.0% | $10,828-95.1% |