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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 | $79,874 | $54,380+46.9% | $68,509+16.6% | $59,633+33.9% |
| Participation rate | 100.0% | 70.2%+29.8pp | 74.7%+25.3pp | 68.7%+31.3pp |
| Annual return | -0.47% | 2.83%-3.3pp | 8.27%-8.7pp | 2041.40%-2041.9pp |
| Employer contribution / active EE | $1,518 | $1,539-1.3% | $2,278-33.3% | $2,203-31.1% |
| Participant deferral / active EE | $1,223 | $2,643-53.7% | $3,382-63.8% | $3,192-61.7% |
| Admin fee / account holder | $1,239 | $3,885-68.1% | $5,275-76.5% | $4,297-71.2% |