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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 | $60,500 | $92,219-34.4% | $76,767-21.2% | $135,380-55.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -8.54% | 5.46%-14.0pp | 2.43%-11.0pp | 519.81%-528.3pp |
| Employer contribution / active EE | $3,773 | $3,216+17.3% | $2,485+51.8% | $4,779-21.0% |
| Participant deferral / active EE | $5,632 | $4,508+24.9% | $3,852+46.2% | $5,609+0.4% |
| Admin fee / account holder | $7,430 | $10,749-30.9% | $6,675+11.3% | $10,828-31.4% |