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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 | $94,456 | $99,032-4.6% | $80,022+18.0% | $135,379-30.2% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -6.55% | 15.39%-21.9pp | 11.22%-17.8pp | 519.79%-526.3pp |
| Employer contribution / active EE | $7,364 | $3,043+142.0% | $2,468+198.4% | $4,779+54.1% |
| Participant deferral / active EE | $4,692 | $4,282+9.6% | $3,686+27.3% | $5,609-16.3% |
| Admin fee / account holder | $317 | $10,436-97.0% | $6,521-95.1% | $10,828-97.1% |