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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 | $76,562 | $87,705-12.7% | $63,517+20.5% | $125,393-38.9% |
| Participation rate | 100.0% | 77.0%+23.0pp | 71.0%+29.0pp | 83.2%+16.8pp |
| Annual return | -2.58% | 21.70%-24.3pp | -70.30%+67.7pp | 282.23%-284.8pp |
| Employer contribution / active EE | $2,164 | $3,601-39.9% | $2,322-6.8% | $4,866-55.5% |
| Participant deferral / active EE | $4,526 | $3,939+14.9% | $2,953+53.3% | $5,351-15.4% |
| Admin fee / account holder | $1,466 | $11,948-87.7% | $5,892-75.1% | $9,541-84.6% |