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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 | $61,894 | $54,380+13.8% | $68,509-9.7% | $59,633+3.8% |
| Participation rate | 100.0% | 70.2%+29.8pp | 74.7%+25.3pp | 68.7%+31.3pp |
| Annual return | -2.12% | 2.83%-5.0pp | 8.27%-10.4pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $2,728 | $1,539+77.3% | $2,278+19.7% | $2,203+23.8% |
| Participant deferral / active EE | $4,376 | $2,643+65.6% | $3,382+29.4% | $3,192+37.1% |
| Admin fee / account holder | $807 | $3,885-79.2% | $5,275-84.7% | $4,297-81.2% |