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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 | $99,752 | $75,935+31.4% | $60,547+64.7% | $125,389-20.4% |
| Participation rate | 100.0% | 76.5%+23.5pp | 68.0%+32.0pp | 83.2%+16.8pp |
| Annual return | -2.73% | -5.38%+2.6pp | 335.64%-338.4pp | 282.24%-285.0pp |
| Employer contribution / active EE | $4,262 | $3,438+24.0% | $2,419+76.2% | $4,866-12.4% |
| Participant deferral / active EE | $5,032 | $4,506+11.7% | $3,328+51.2% | $5,352-6.0% |
| Admin fee / account holder | $1,783 | $6,768-73.7% | $4,536-60.7% | $9,541-81.3% |