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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 | $157,474 | $97,020+62.3% | $83,327+89.0% | $135,380+16.3% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -1.02% | 12.31%-13.3pp | 10.64%-11.7pp | 519.81%-520.8pp |
| Employer contribution / active EE | $1,745 | $4,144-57.9% | $3,379-48.4% | $4,779-63.5% |
| Participant deferral / active EE | $6,979 | $5,964+17.0% | $5,565+25.4% | $5,609+24.4% |
| Admin fee / account holder | $444 | $8,426-94.7% | $7,540-94.1% | $10,828-95.9% |