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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 | $76,563 | $87,546-12.5% | $75,784+1.0% | $125,389-38.9% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -1.46% | 13.49%-14.9pp | 9.68%-11.1pp | 282.24%-283.7pp |
| Employer contribution / active EE | $5,512 | $3,930+40.2% | $3,323+65.8% | $4,866+13.3% |
| Participant deferral / active EE | $6,394 | $4,230+51.2% | $3,652+75.1% | $5,352+19.5% |
| Admin fee / account holder | $926 | $6,503-85.8% | $5,300-82.5% | $9,541-90.3% |