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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 | $186,616 | $77,817+139.8% | $123,553+51.0% | $64,173+190.8% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -5.16% | 12.49%-17.6pp | 119.21%-124.4pp | 7.63%-12.8pp |
| Employer contribution / active EE | $9,308 | $3,014+208.8% | $4,628+101.1% | $2,381+290.9% |
| Participant deferral / active EE | $4,680 | $5,240-10.7% | $6,426-27.2% | $3,470+34.9% |
| Admin fee / account holder | $787 | $5,519-85.7% | $9,284-91.5% | $4,887-83.9% |