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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 | $123,055 | $95,917+28.3% | $79,583+54.6% | $134,545-8.5% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -14.52% | -2.70%-11.8pp | 0.16%-14.7pp | 418.37%-432.9pp |
| Employer contribution / active EE | $3,162 | $3,129+1.1% | $2,414+31.0% | $4,742-33.3% |
| Participant deferral / active EE | $6,074 | $4,694+29.4% | $3,986+52.4% | $6,401-5.1% |
| Admin fee / account holder | $7,042 | $9,132-22.9% | $6,835+3.0% | $11,431-38.4% |