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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 | $83,829 | $72,177+16.1% | $115,038-27.1% | $59,633+40.6% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -1.40% | 12.02%-13.4pp | 26.14%-27.5pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $5,574 | $2,841+96.2% | $4,608+21.0% | $2,203+153.0% |
| Participant deferral / active EE | $10,545 | $4,783+120.5% | $6,026+75.0% | $3,192+230.4% |
| Admin fee / account holder | $2,806 | $4,927-43.1% | $8,175-65.7% | $4,297-34.7% |