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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 | $69,783 | $50,947+37.0% | $74,551-6.4% | $64,173+8.7% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -1.23% | -1.85%+0.6pp | 32.53%-33.8pp | 7.63%-8.9pp |
| Employer contribution / active EE | $860 | $1,115-22.9% | $1,961-56.2% | $2,381-63.9% |
| Participant deferral / active EE | $3,955 | $2,302+71.8% | $3,108+27.2% | $3,470+14.0% |
| Admin fee / account holder | $1,018 | $4,221-75.9% | $5,059-79.9% | $4,887-79.2% |