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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 | $155,987 | $92,219+69.1% | $76,767+103.2% | $135,380+15.2% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -6.69% | 5.46%-12.1pp | 2.43%-9.1pp | 519.81%-526.5pp |
| Employer contribution / active EE | $4,648 | $3,216+44.5% | $2,485+87.0% | $4,779-2.7% |
| Participant deferral / active EE | $10,684 | $4,508+137.0% | $3,852+177.4% | $5,609+90.5% |
| Admin fee / account holder | $349 | $10,749-96.8% | $6,675-94.8% | $10,828-96.8% |