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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 | $95,800 | $107,809-11.1% | $90,657+5.7% | $135,380-29.2% |
| Participation rate | 90.0% | 78.0%+12.0pp | 74.0%+16.0pp | 82.6%+7.4pp |
| Annual return | -4.38% | -0.90%-3.5pp | 1.89%-6.3pp | 519.81%-524.2pp |
| Employer contribution / active EE | $11,237 | $3,018+272.3% | $2,532+343.8% | $4,779+135.1% |
| Participant deferral / active EE | $8,148 | $3,872+110.4% | $3,424+137.9% | $5,609+45.3% |
| Admin fee / account holder | $652 | $5,931-89.0% | $4,994-87.0% | $10,828-94.0% |