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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 | $45,731 | $72,404-36.8% | $110,243-58.5% | $64,173-28.7% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | -5.89% | -6.29%+0.4pp | 314.76%-320.6pp | 7.63%-13.5pp |
| Employer contribution / active EE | $5,174 | $2,282+126.8% | $3,827+35.2% | $2,381+117.3% |
| Participant deferral / active EE | $3,826 | $3,469+10.3% | $4,672-18.1% | $3,470+10.3% |
| Admin fee / account holder | $2,503 | $5,664-55.8% | $8,548-70.7% | $4,887-48.8% |