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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 | $114,141 | $106,115+7.6% | $85,969+32.8% | $125,389-9.0% |
| Participation rate | 100.0% | 84.1%+15.9pp | 76.5%+23.5pp | 83.2%+16.8pp |
| Annual return | -2.16% | 13.93%-16.1pp | 9.32%-11.5pp | 282.24%-284.4pp |
| Employer contribution / active EE | $3,409 | $4,537-24.9% | $3,474-1.9% | $4,866-29.9% |
| Participant deferral / active EE | $7,218 | $4,859+48.5% | $3,829+88.5% | $5,352+34.9% |
| Admin fee / account holder | $4,502 | $8,144-44.7% | $6,053-25.6% | $9,541-52.8% |