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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 | $193,338 | $99,032+95.2% | $80,022+141.6% | $135,380+42.8% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -3.44% | 15.39%-18.8pp | 11.22%-14.7pp | 519.81%-523.2pp |
| Employer contribution / active EE | $4,609 | $3,043+51.4% | $2,468+86.7% | $4,779-3.6% |
| Participant deferral / active EE | $6,709 | $4,282+56.7% | $3,686+82.0% | $5,609+19.6% |
| Admin fee / account holder | $5,030 | $10,436-51.8% | $6,521-22.9% | $10,828-53.5% |