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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 | $152,914 | $97,881+56.2% | $80,004+91.1% | $125,389+22.0% |
| Participation rate | 100.0% | 77.9%+22.1pp | 73.0%+27.0pp | 83.2%+16.8pp |
| Annual return | -1.19% | 9.36%-10.6pp | 7.63%-8.8pp | 282.24%-283.4pp |
| Employer contribution / active EE | $1,764 | $3,128-43.6% | $2,473-28.7% | $4,866-63.8% |
| Participant deferral / active EE | $4,343 | $3,744+16.0% | $3,204+35.6% | $5,352-18.9% |
| Admin fee / account holder | $2,613 | $6,278-58.4% | $5,033-48.1% | $9,541-72.6% |