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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 | $154,916 | $95,188+62.7% | $76,518+102.5% | $135,379+14.4% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -3.34% | 4.85%-8.2pp | -0.27%-3.1pp | 519.79%-523.1pp |
| Employer contribution / active EE | $7,366 | $3,303+123.0% | $2,647+178.2% | $4,779+54.1% |
| Participant deferral / active EE | $4,869 | $4,640+4.9% | $3,836+26.9% | $5,609-13.2% |
| Admin fee / account holder | $5,299 | $6,249-15.2% | $4,849+9.3% | $10,828-51.1% |