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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 | $145,914 | $97,027+50.4% | $83,323+75.1% | $135,382+7.8% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -6.12% | 12.31%-18.4pp | 10.63%-16.8pp | 519.77%-525.9pp |
| Employer contribution / active EE | $3,884 | $4,143-6.3% | $3,379+15.0% | $4,779-18.7% |
| Participant deferral / active EE | $12,652 | $5,964+112.1% | $5,565+127.4% | $5,609+125.6% |
| Admin fee / account holder | $2,060 | $8,427-75.6% | $7,539-72.7% | $10,829-81.0% |