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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 | $84,989 | $113,941-25.4% | $94,229-9.8% | $125,389-32.2% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -2.65% | 5.29%-7.9pp | 10.68%-13.3pp | 282.24%-284.9pp |
| Employer contribution / active EE | $9,000 | $4,727+90.4% | $3,587+150.9% | $4,866+85.0% |
| Participant deferral / active EE | $2,187 | $5,179-57.8% | $4,320-49.4% | $5,352-59.1% |
| Admin fee / account holder | $2,627 | $8,392-68.7% | $6,269-58.1% | $9,541-72.5% |