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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 | $79,370 | $87,546-9.3% | $75,784+4.7% | $125,389-36.7% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -1.82% | 13.49%-15.3pp | 9.68%-11.5pp | 282.24%-284.1pp |
| Employer contribution / active EE | $10,205 | $3,930+159.7% | $3,323+207.1% | $4,866+109.7% |
| Participant deferral / active EE | $4,620 | $4,230+9.2% | $3,652+26.5% | $5,352-13.7% |
| Admin fee / account holder | $616 | $6,503-90.5% | $5,300-88.4% | $9,541-93.5% |