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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 | $80,502 | $87,546-8.0% | $75,784+6.2% | $125,389-35.8% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -0.30% | 13.49%-13.8pp | 9.68%-10.0pp | 282.24%-282.5pp |
| Employer contribution / active EE | $5,503 | $3,930+40.0% | $3,323+65.6% | $4,866+13.1% |
| Participant deferral / active EE | $7,065 | $4,230+67.0% | $3,652+93.5% | $5,352+32.0% |
| Admin fee / account holder | $2,286 | $6,503-64.8% | $5,300-56.9% | $9,541-76.0% |