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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 | $95,634 | $52,678+81.5% | $75,784+26.2% | $59,633+60.4% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.8%+24.2pp | 68.7%+31.3pp |
| Annual return | -1.09% | 2.95%-4.0pp | 9.68%-10.8pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $3,187 | $2,193+45.3% | $3,323-4.1% | $2,203+44.7% |
| Participant deferral / active EE | $3,008 | $2,591+16.1% | $3,652-17.6% | $3,192-5.7% |
| Admin fee / account holder | $6,067 | $3,610+68.1% | $5,300+14.5% | $4,297+41.2% |