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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 | $78,143 | $92,219-15.3% | $76,767+1.8% | $135,380-42.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -5.28% | 5.46%-10.7pp | 2.43%-7.7pp | 519.81%-525.1pp |
| Employer contribution / active EE | $3,618 | $3,216+12.5% | $2,485+45.6% | $4,779-24.3% |
| Participant deferral / active EE | $4,069 | $4,508-9.8% | $3,852+5.6% | $5,609-27.5% |
| Admin fee / account holder | $373 | $10,749-96.5% | $6,675-94.4% | $10,828-96.6% |