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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 | $120,097 | $87,546+37.2% | $75,784+58.5% | $125,389-4.2% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -1.39% | 13.49%-14.9pp | 9.68%-11.1pp | 282.24%-283.6pp |
| Employer contribution / active EE | $12,965 | $3,930+229.9% | $3,323+290.1% | $4,866+166.4% |
| Participant deferral / active EE | $8,000 | $4,230+89.1% | $3,652+119.1% | $5,352+49.5% |
| Admin fee / account holder | $1,511 | $6,503-76.8% | $5,300-71.5% | $9,541-84.2% |