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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 | $69,529 | $87,546-20.6% | $75,784-8.3% | $125,389-44.5% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -1.42% | 13.49%-14.9pp | 9.68%-11.1pp | 282.24%-283.7pp |
| Employer contribution / active EE | $4,377 | $3,930+11.4% | $3,323+31.7% | $4,866-10.1% |
| Participant deferral / active EE | $7,776 | $4,230+83.8% | $3,652+112.9% | $5,352+45.3% |
| Admin fee / account holder | $3,428 | $6,503-47.3% | $5,300-35.3% | $9,541-64.1% |