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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 | $205,977 | $113,941+80.8% | $94,229+118.6% | $125,389+64.3% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -2.63% | 5.29%-7.9pp | 10.68%-13.3pp | 282.24%-284.9pp |
| Employer contribution / active EE | $3,146 | $4,727-33.4% | $3,587-12.3% | $4,866-35.3% |
| Participant deferral / active EE | $11,843 | $5,179+128.7% | $4,320+174.1% | $5,352+121.3% |
| Admin fee / account holder | $1,207 | $8,392-85.6% | $6,269-80.8% | $9,541-87.4% |