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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 | $93,797 | $72,177+30.0% | $115,038-18.5% | $59,633+57.3% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -0.27% | 12.02%-12.3pp | 26.14%-26.4pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $5,609 | $2,841+97.4% | $4,608+21.7% | $2,203+154.7% |
| Participant deferral / active EE | $4,409 | $4,783-7.8% | $6,026-26.8% | $3,192+38.1% |
| Admin fee / account holder | $1,407 | $4,927-71.5% | $8,175-82.8% | $4,297-67.3% |