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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 | $146,292 | $106,115+37.9% | $85,969+70.2% | $125,389+16.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 76.5%+23.5pp | 83.2%+16.8pp |
| Annual return | -2.09% | 13.93%-16.0pp | 9.32%-11.4pp | 282.24%-284.3pp |
| Employer contribution / active EE | $8,905 | $4,537+96.3% | $3,474+156.3% | $4,866+83.0% |
| Participant deferral / active EE | $8,172 | $4,859+68.2% | $3,829+113.4% | $5,352+52.7% |
| Admin fee / account holder | $8,336 | $8,144+2.4% | $6,053+37.7% | $9,541-12.6% |