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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 | $68,344 | $72,177-5.3% | $115,038-40.6% | $59,633+14.6% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -0.93% | 12.02%-13.0pp | 26.14%-27.1pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $4,827 | $2,841+69.9% | $4,608+4.7% | $2,203+119.1% |
| Participant deferral / active EE | $7,173 | $4,783+50.0% | $6,026+19.0% | $3,192+124.7% |
| Admin fee / account holder | $854 | $4,927-82.7% | $8,175-89.6% | $4,297-80.1% |