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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 | $75,209 | $72,177+4.2% | $115,038-34.6% | $59,633+26.1% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -0.44% | 12.02%-12.5pp | 26.14%-26.6pp | 2041.45%-2041.9pp |
| Employer contribution / active EE | $2,992 | $2,841+5.3% | $4,608-35.1% | $2,203+35.8% |
| Participant deferral / active EE | $6,420 | $4,783+34.2% | $6,026+6.5% | $3,192+101.1% |
| Admin fee / account holder | $2,835 | $4,927-42.5% | $8,175-65.3% | $4,297-34.0% |