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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 | $69,307 | $87,546-20.8% | $75,784-8.5% | $125,389-44.7% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -0.88% | 13.49%-14.4pp | 9.68%-10.6pp | 282.24%-283.1pp |
| Employer contribution / active EE | $685 | $3,930-82.6% | $3,323-79.4% | $4,866-85.9% |
| Participant deferral / active EE | $3,204 | $4,230-24.2% | $3,652-12.3% | $5,352-40.1% |
| Admin fee / account holder | $755 | $6,503-88.4% | $5,300-85.8% | $9,541-92.1% |