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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 | $126,671 | $131,835-3.9% | $108,582+16.7% | $273,972-53.8% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 2.93% | -91.57%+94.5pp | -51.70%+54.6pp | 41.46%-38.5pp |
| Employer contribution / active EE | $4,818 | $4,913-1.9% | $3,758+28.2% | $4,869-1.0% |
| Participant deferral / active EE | $9,013 | $5,127+75.8% | $4,311+109.1% | $5,287+70.5% |
| Admin fee / account holder | $1,642 | $10,253-84.0% | $7,645-78.5% | $10,133-83.8% |