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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 | $148,281 | $92,219+60.8% | $76,768+93.2% | $135,379+9.5% |
| Participation rate | 81.8% | 79.8%+2.0pp | 77.0%+4.9pp | 82.6%-0.8pp |
| Annual return | -3.94% | 5.46%-9.4pp | 2.43%-6.4pp | 519.79%-523.7pp |
| Employer contribution / active EE | $5,453 | $3,216+69.6% | $2,485+119.4% | $4,779+14.1% |
| Participant deferral / active EE | $10,904 | $4,508+141.9% | $3,852+183.1% | $5,609+94.4% |
| Admin fee / account holder | $13,830 | $10,749+28.7% | $6,675+107.2% | $10,828+27.7% |