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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 | $77,697 | $113,941-31.8% | $94,229-17.5% | $125,389-38.0% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -1.29% | 5.29%-6.6pp | 10.68%-12.0pp | 282.24%-283.5pp |
| Employer contribution / active EE | $6,058 | $4,727+28.2% | $3,587+68.9% | $4,866+24.5% |
| Participant deferral / active EE | $8,777 | $5,179+69.5% | $4,320+103.1% | $5,352+64.0% |
| Admin fee / account holder | $3,898 | $8,392-53.5% | $6,269-37.8% | $9,541-59.1% |