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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 | $233,623 | $97,881+138.7% | $80,004+192.0% | $125,388+86.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 73.0%+27.0pp | 83.2%+16.8pp |
| Annual return | -1.96% | 9.36%-11.3pp | 7.63%-9.6pp | 282.24%-284.2pp |
| Employer contribution / active EE | $1,888 | $3,128-39.6% | $2,473-23.6% | $4,866-61.2% |
| Participant deferral / active EE | $9,247 | $3,744+147.0% | $3,204+188.6% | $5,352+72.8% |
| Admin fee / account holder | $353 | $6,278-94.4% | $5,033-93.0% | $9,541-96.3% |