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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 | $107,164 | $113,941-5.9% | $94,229+13.7% | $125,389-14.5% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -1.30% | 5.29%-6.6pp | 10.68%-12.0pp | 282.24%-283.5pp |
| Employer contribution / active EE | $13,042 | $4,727+175.9% | $3,587+263.6% | $4,866+168.0% |
| Participant deferral / active EE | $5,534 | $5,179+6.9% | $4,320+28.1% | $5,352+3.4% |
| Admin fee / account holder | $1,731 | $8,392-79.4% | $6,269-72.4% | $9,541-81.9% |