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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 | $89,794 | $45,872+95.7% | $77,100+16.5% | $68,490+31.1% |
| Participation rate | 96.3% | 55.9%+40.4pp | 67.9%+28.4pp | 67.9%+28.4pp |
| Annual return | -17.40% | 1.73%-19.1pp | 42.35%-59.8pp | -7.85%-9.5pp |
| Employer contribution / active EE | $6,901 | $1,650+318.4% | $2,815+145.2% | $2,597+165.8% |
| Participant deferral / active EE | $9,603 | $2,963+224.1% | $4,430+116.8% | $4,028+138.4% |
| Admin fee / account holder | $1,065 | $3,041-65.0% | $5,443-80.4% | $5,403-80.3% |