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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 | $179,838 | $99,032+81.6% | $80,022+124.7% | $135,380+32.8% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | 0.06% | 15.39%-15.3pp | 11.22%-11.2pp | 519.81%-519.7pp |
| Employer contribution / active EE | $2,608 | $3,043-14.3% | $2,468+5.7% | $4,779-45.4% |
| Participant deferral / active EE | $12,933 | $4,282+202.0% | $3,686+250.9% | $5,609+130.6% |
| Admin fee / account holder | $5,488 | $10,436-47.4% | $6,521-15.8% | $10,828-49.3% |