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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 | $128,073 | $95,188+34.5% | $76,518+67.4% | $135,379-5.4% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -2.04% | 4.85%-6.9pp | -0.27%-1.8pp | 519.79%-521.8pp |
| Employer contribution / active EE | $2,421 | $3,303-26.7% | $2,647-8.6% | $4,779-49.3% |
| Participant deferral / active EE | $5,586 | $4,640+20.4% | $3,836+45.6% | $5,609-0.4% |
| Admin fee / account holder | $1,417 | $6,249-77.3% | $4,849-70.8% | $10,828-86.9% |