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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 | $182,862 | $167,353+9.3% | $143,797+27.2% | $134,545+35.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -13.76% | 0.48%-14.2pp | -0.04%-13.7pp | 418.37%-432.1pp |
| Employer contribution / active EE | $2,872 | $5,620-48.9% | $4,952-42.0% | $4,742-39.4% |
| Participant deferral / active EE | $3,735 | $6,447-42.1% | $5,638-33.7% | $6,401-41.6% |
| Admin fee / account holder | $15,436 | $18,096-14.7% | $14,679+5.2% | $11,431+35.0% |