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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 | $107,212 | $72,404+48.1% | $110,243-2.7% | $64,173+67.1% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | -5.35% | -6.29%+0.9pp | 314.76%-320.1pp | 7.63%-13.0pp |
| Employer contribution / active EE | $2,712 | $2,282+18.8% | $3,827-29.1% | $2,381+13.9% |
| Participant deferral / active EE | $5,400 | $3,469+55.7% | $4,672+15.6% | $3,470+55.6% |
| Admin fee / account holder | $695 | $5,664-87.7% | $8,548-91.9% | $4,887-85.8% |