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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 | $59,552 | $72,177-17.5% | $115,038-48.2% | $59,633-0.1% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -2.31% | 12.02%-14.3pp | 26.14%-28.5pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $2,129 | $2,841-25.1% | $4,608-53.8% | $2,203-3.3% |
| Participant deferral / active EE | $6,103 | $4,783+27.6% | $6,026+1.3% | $3,192+91.2% |
| Admin fee / account holder | $1,790 | $4,927-63.7% | $8,175-78.1% | $4,297-58.3% |