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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 | $95,921 | $83,908+14.3% | $68,509+40.0% | $125,389-23.5% |
| Participation rate | 100.0% | 78.2%+21.8pp | 74.7%+25.3pp | 83.2%+16.8pp |
| Annual return | -0.88% | 14.48%-15.4pp | 8.27%-9.2pp | 282.24%-283.1pp |
| Employer contribution / active EE | $6,915 | $3,031+128.1% | $2,278+203.6% | $4,866+42.1% |
| Participant deferral / active EE | $5,970 | $4,125+44.7% | $3,382+76.5% | $5,352+11.6% |
| Admin fee / account holder | $381 | $8,982-95.8% | $5,275-92.8% | $9,541-96.0% |