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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 | $40,742 | $57,352-29.0% | $83,830-51.4% | $64,173-36.5% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -6.87% | 11.38%-18.3pp | 850.97%-857.8pp | 7.63%-14.5pp |
| Employer contribution / active EE | $5,993 | $2,546+135.4% | $3,631+65.1% | $2,381+151.7% |
| Participant deferral / active EE | $3,284 | $2,993+9.7% | $4,082-19.5% | $3,470-5.3% |
| Admin fee / account holder | $4,255 | $4,046+5.2% | $5,479-22.3% | $4,887-12.9% |