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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 | $144,769 | $53,596+170.1% | $90,657+59.7% | $64,173+125.6% |
| Participation rate | 100.0% | 64.5%+35.5pp | 74.0%+26.0pp | 69.6%+30.4pp |
| Annual return | -5.48% | 4.41%-9.9pp | 1.89%-7.4pp | 7.63%-13.1pp |
| Employer contribution / active EE | $4,001 | $1,503+166.2% | $2,532+58.0% | $2,381+68.1% |
| Participant deferral / active EE | $3,532 | $2,459+43.7% | $3,424+3.2% | $3,470+1.8% |
| Admin fee / account holder | $9,762 | $3,868+152.4% | $4,994+95.5% | $4,887+99.7% |