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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 | $28,437 | $72,177-60.6% | $115,038-75.3% | $59,633-52.3% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -0.23% | 12.02%-12.2pp | 26.14%-26.4pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $4,093 | $2,841+44.1% | $4,608-11.2% | $2,203+85.8% |
| Participant deferral / active EE | $2,536 | $4,783-47.0% | $6,026-57.9% | $3,192-20.6% |
| Admin fee / account holder | $692 | $4,927-86.0% | $8,175-91.5% | $4,297-83.9% |