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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 | $154,690 | $92,219+67.7% | $76,767+101.5% | $135,380+14.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -8.65% | 5.46%-14.1pp | 2.43%-11.1pp | 519.81%-528.5pp |
| Employer contribution / active EE | $3,035 | $3,216-5.6% | $2,485+22.1% | $4,779-36.5% |
| Participant deferral / active EE | $6,890 | $4,508+52.8% | $3,852+78.9% | $5,609+22.8% |
| Admin fee / account holder | $1,951 | $10,749-81.9% | $6,675-70.8% | $10,828-82.0% |