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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 | $98,106 | $84,527+16.1% | $67,711+44.9% | $125,393-21.8% |
| Participation rate | 100.0% | 74.8%+25.2pp | 67.5%+32.5pp | 83.2%+16.8pp |
| Annual return | -2.77% | 2.57%-5.3pp | 25.41%-28.2pp | 282.23%-285.0pp |
| Employer contribution / active EE | $2,841 | $3,292-13.7% | $2,559+11.0% | $4,866-41.6% |
| Participant deferral / active EE | $7,010 | $4,429+58.3% | $3,585+95.5% | $5,351+31.0% |
| Admin fee / account holder | $465 | $5,340-91.3% | $4,255-89.1% | $9,541-95.1% |