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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 | $68,082 | $100,805-32.5% | $86,698-21.5% | $134,532-49.4% |
| Participation rate | 100.0% | 79.0%+21.0pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -6.88% | 29.09%-36.0pp | 35.95%-42.8pp | 418.27%-425.1pp |
| Employer contribution / active EE | $1,463 | $3,490-58.1% | $2,837-48.4% | $4,741-69.1% |
| Participant deferral / active EE | $5,169 | $5,339-3.2% | $4,656+11.0% | $6,401-19.2% |
| Admin fee / account holder | $2,266 | $10,925-79.3% | $7,493-69.8% | $11,429-80.2% |