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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 | $91,895 | $92,219-0.4% | $76,767+19.7% | $135,380-32.1% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -1.15% | 5.46%-6.6pp | 2.43%-3.6pp | 519.81%-521.0pp |
| Employer contribution / active EE | $7,239 | $3,216+125.1% | $2,485+191.3% | $4,779+51.5% |
| Participant deferral / active EE | $10,043 | $4,508+122.8% | $3,852+160.8% | $5,609+79.1% |
| Admin fee / account holder | $466 | $10,749-95.7% | $6,675-93.0% | $10,828-95.7% |