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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 | $156,860 | $87,542+79.2% | $75,782+107.0% | $125,393+25.1% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -0.86% | 13.48%-14.3pp | 9.68%-10.5pp | 282.23%-283.1pp |
| Employer contribution / active EE | $3,554 | $3,930-9.6% | $3,323+7.0% | $4,866-27.0% |
| Participant deferral / active EE | $5,169 | $4,229+22.2% | $3,652+41.5% | $5,351-3.4% |
| Admin fee / account holder | $33,227 | $6,502+411.0% | $5,300+527.0% | $9,541+248.3% |