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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 | $106,949 | $140,592-23.9% | $123,105-13.1% | $125,389-14.7% |
| Participation rate | 100.0% | 88.2%+11.8pp | 86.8%+13.2pp | 83.2%+16.8pp |
| Annual return | -1.98% | 16.80%-18.8pp | 13.22%-15.2pp | 282.24%-284.2pp |
| Employer contribution / active EE | $2,666 | $6,041-55.9% | $5,151-48.3% | $4,866-45.2% |
| Participant deferral / active EE | $13,611 | $6,980+95.0% | $6,229+118.5% | $5,352+154.3% |
| Admin fee / account holder | $1,040 | $11,198-90.7% | $9,014-88.5% | $9,541-89.1% |