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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 | $146,034 | $97,020+50.5% | $83,327+75.3% | $135,380+7.9% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -4.48% | 12.31%-16.8pp | 10.64%-15.1pp | 519.81%-524.3pp |
| Employer contribution / active EE | $7,410 | $4,144+78.8% | $3,379+119.3% | $4,779+55.0% |
| Participant deferral / active EE | $5,680 | $5,964-4.8% | $5,565+2.1% | $5,609+1.3% |
| Admin fee / account holder | $3,991 | $8,426-52.6% | $7,540-47.1% | $10,828-63.1% |