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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 | $90,956 | $53,162+71.1% | $91,225-0.3% | $68,495+32.8% |
| Participation rate | 100.0% | 63.2%+36.8pp | 73.2%+26.8pp | 67.9%+32.1pp |
| Annual return | -18.11% | -3.14%-15.0pp | 114.10%-132.2pp | -7.84%-10.3pp |
| Employer contribution / active EE | $5,329 | $1,709+211.7% | $2,851+86.9% | $2,596+105.2% |
| Participant deferral / active EE | $5,042 | $2,974+69.5% | $4,234+19.1% | $4,028+25.2% |
| Admin fee / account holder | $645 | $4,493-85.7% | $5,422-88.1% | $5,403-88.1% |