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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 | $133,866 | $99,032+35.2% | $80,022+67.3% | $135,380-1.1% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -5.47% | 15.39%-20.9pp | 11.22%-16.7pp | 519.81%-525.3pp |
| Employer contribution / active EE | $1,771 | $3,043-41.8% | $2,468-28.3% | $4,779-62.9% |
| Participant deferral / active EE | $5,443 | $4,282+27.1% | $3,686+47.7% | $5,609-3.0% |
| Admin fee / account holder | $671 | $10,436-93.6% | $6,521-89.7% | $10,828-93.8% |