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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 | $105,850 | $87,546+20.9% | $75,784+39.7% | $125,389-15.6% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -3.29% | 13.49%-16.8pp | 9.68%-13.0pp | 282.24%-285.5pp |
| Employer contribution / active EE | $12,194 | $3,930+210.3% | $3,323+266.9% | $4,866+150.6% |
| Participant deferral / active EE | $7,846 | $4,230+85.5% | $3,652+114.8% | $5,352+46.6% |
| Admin fee / account holder | $839 | $6,503-87.1% | $5,300-84.2% | $9,541-91.2% |