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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 | $99,583 | $167,533-40.6% | $151,645-34.3% | $134,545-26.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -3.08% | 7.81%-10.9pp | 3.34%-6.4pp | 418.37%-421.4pp |
| Employer contribution / active EE | $4,941 | $6,828-27.6% | $6,165-19.9% | $4,742+4.2% |
| Participant deferral / active EE | $11,734 | $8,985+30.6% | $8,363+40.3% | $6,401+83.3% |
| Admin fee / account holder | $1,419 | $13,781-89.7% | $11,614-87.8% | $11,431-87.6% |