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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 | $47,094 | $57,352-17.9% | $83,831-43.8% | $64,173-26.6% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -6.45% | 11.38%-17.8pp | 850.99%-857.4pp | 7.63%-14.1pp |
| Employer contribution / active EE | $2,422 | $2,546-4.9% | $3,631-33.3% | $2,381+1.7% |
| Participant deferral / active EE | $6,565 | $2,993+119.4% | $4,082+60.8% | $3,470+89.2% |
| Admin fee / account holder | $4,953 | $4,046+22.4% | $5,479-9.6% | $4,887+1.3% |