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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 | $64,600 | $45,872+40.8% | $77,100-16.2% | $68,490-5.7% |
| Participation rate | 100.0% | 55.9%+44.1pp | 67.9%+32.1pp | 67.9%+32.1pp |
| Annual return | -9.45% | 1.73%-11.2pp | 42.35%-51.8pp | -7.85%-1.6pp |
| Employer contribution / active EE | $8,648 | $1,650+424.3% | $2,815+207.2% | $2,597+233.0% |
| Participant deferral / active EE | $4,721 | $2,963+59.3% | $4,430+6.6% | $4,028+17.2% |
| Admin fee / account holder | $1,032 | $3,041-66.1% | $5,443-81.0% | $5,403-80.9% |